INTERNATIONAL BANCSHARES CORP

INTERNATIONAL BANCSHARES CORP is a registered multibank financial holding company that provides a diversified range of commercial and retail banking services. The company operates through its main banking and branch facilities located across north, south, central, and southeast Texas, as well as in the State of Oklahoma. As a bank holding company, INTERNATIONAL BANCSHARES CORP is subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). All five of its wholly owned banking subsidiaries are members of and regulated by the Federal Deposit Insurance Corporation (FDIC). The company's principal corporate offices are located in Laredo, Texas. As of December 31, 2025, its principal assets consisted of the outstanding capital stock of four Texas state banking associations and one Oklahoma state banking corporation. These five subsidiary banks include: International Bank of Commerce, located in Laredo, Texas (IBC); Commerce Bank, located in Laredo, Texas (Commerce Bank); International Bank of Commerce, located in Brownsville, Texas (IBC Brownsville); International Bank of Commerce, located in Zapata, Texas (IBC Zapata); and International Bank of Commerce, located in Oklahoma City, Oklahoma (IBC-Oklahoma). The company's operational philosophy emphasizes customer service, reflected in its motto, "We Do More." Its subsidiary banks maintain a strong commitment to their local communities, partly through local advisory boards composed of community members. These boards help guide branch operations under the supervision of each Subsidiary Bank's board of directors, assist in tailoring products and services to local customer needs, and introduce prospective customers to the company's offerings.