International Bancshares Corp

International Bancshares Corporation (IBOC) is a Texas-based bank holding company that operates IBC Bank and related subsidiaries across the southern United States. With a market capitalisation of about $4.13 billion, it provides commercial and consumer banking services, mortgage lending, wealth management and treasury services to individuals, small and mid-sized businesses, and institutions. Investors should note IBOC’s regional focus — its earnings are sensitive to local economic conditions and the health of the oil, agriculture and cross-border trade markets that serve parts of its footprint. Like most banks, revenue depends on net interest margins, deposit trends and credit quality; higher interest rates can support margins but also raise default risk. The company has a conservative, community-banking reputation and a history of returning capital to shareholders through dividends. Key risks include loan-loss cycles, competition, regulatory change and concentration exposures. This summary is educational, not personalised advice — investors should assess suitability and perform further research.