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International Bancshares IBOC Provision for Credit Losses

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$6.75M-48.4%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$914M-9.1%
BOK Financial logo
BOK FinancialBOKF
$0
Customers Bancorp logo
Customers BancorpCUBI
$600K-62.5%
Shore Bancshares logo
Shore BancsharesSHBI
$896K

Other financials

Income statement

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Revenue$214.8M+3.2%
Net income$95.8M-4.3%
EPS (diluted)$1.54-4.3%

Balance sheet

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Cash & equivalents$451.2M-38.4%
Total equity$3.4B+11.7%
Total assets$17.0B+3.4%

Cash flow

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Operating cash flow$94.2M-1.3%
CapEx$5.7M+46.7%
Free cash flow$88.6M-3.4%

Valuation

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Market cap$4.67B+8.4%
P/E11.3×+0.8×
P/S5.4×+0.2×

Profitability

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Net margin48.1%-1.7pp
FCF margin52.7%-1.8pp

Returns & leverage

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Return on equity12.9%-1.8pp
Debt / equity

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The source filing: International Bancshares’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-091933
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Junior subordinated deferrable interest debentures1,5241,6933,0343,383
Total interest expense49,31053,47098,282106,890
Net interest income171,105167,497336,733328,716
Credit loss expense11,1054,39814,1297,727
Net interest income after provision for credit losses160,000163,099322,604320,989
Non-interest income:
Service charges on deposit accounts19,16817,98837,92835,655
Other service charges, commissions and fees

Item 1. Financial Statements

FAQ

What is International Bancshares's provision for credit losses?
International Bancshares (IBOC) reported provision for credit losses of $11.11M in Q2 2026.
How has International Bancshares's provision for credit losses changed year-over-year?
International Bancshares's provision for credit losses increased by 152.5% year-over-year, from $4.4M to $11.11M.
What is the long-term trend for International Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), International Bancshares's provision for credit losses has grown at a 17.4% compound annual growth rate (CAGR), from $7.96M to $15.09M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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