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International Bancshares IBOC Provision for Credit Losses

Provision for Credit Losses at other companies

HOM
Home BancSharesHOMB
$1.5M
First Financial Bankshares logo
First Financial BanksharesFFIN
$2.29M-35.1%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$10.64M+60.4%
UBS
United BanksharesUBSI
$6.78M+1.3%
JPMorgan Chase logo
JPMorgan ChaseJPM
$2.51B-24.1%
Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$6.75M-48.4%

Other financials

Income statement

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Revenue$208.5M+5.2%
Net income$102.2M+5.5%
EPS (diluted)$1.64+5.1%

Balance sheet

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Cash & equivalents$585.9M-0.6%
Total equity$3.3B+13.6%
Total assets$16.8B+3.4%

Cash flow

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Operating cash flow$120.7M-14.0%
CapEx$4.7M-36.5%
Free cash flow$116.0M-12.8%

Valuation

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Market cap$4.57B+6.6%
P/E11×+0.5×
P/S5.4×+0.2×

Profitability

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Net margin49%-0.5pp
FCF margin53.5%-2.7pp

Returns & leverage

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Return on equity13.5%-1.7pp
Debt / equity

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: International Bancshares’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is International Bancshares's provision for credit losses?
International Bancshares (IBOC) reported provision for credit losses of $3.02M in Q1 2026.
How has International Bancshares's provision for credit losses changed year-over-year?
International Bancshares's provision for credit losses decreased by 9.2% year-over-year, from $3.33M to $3.02M.
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?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.