MEDIUMOutside partyGeographic
32%
Mexico
“10-K Item 1: 'Deposits from persons and entities domiciled in Mexico comprise a large and stable portion of the deposit base of the Subsidiary Banks. These deposits comprised approximately 32%'”
IBOC · Concentration risk · 10-K extracted
International Bancshares Corpor (IBOC) concentration risks
Updated
The most significant concentration International Bancshares Corpor discloses is Mexico at 32%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: International Bancshares Corpor’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
real estate secured loans
“10-K Item 1A: 'A significant portion of our loan portfolio consists of loans secured by real estate located in the markets we serve.'”
MEDIUMBuilt-inGeographic
Texas and Oklahoma
“10-K Item 1: 'commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is geographic and portfolio-based across three medium-share exposures that together describe a regional bank with cross-border deposit characteristics. Deposits from persons and entities domiciled in Mexico comprise approximately 32% of the deposit base of the subsidiary banks — a medium-share exposure by disclosed size with a dependency character. This cross-border deposit relationship is idiosyncratic relative to most U.S. regional banks: Mexican-domiciled depositors represent a meaningful funding source, and changes in the regulatory treatment of such deposits, currency conditions, or geopolitical friction between the two countries could affect deposit stability. A significant portion of the loan portfolio consists of loans secured by real estate in the company's markets — a medium-share, structural concentration typical of community banking. Real estate collateral values and local economic conditions are the primary credit-quality variables attached to this exposure. The banking footprint itself is concentrated in Texas and Oklahoma — a medium-share, structural geographic concentration that governs the customer base, employment conditions, and real estate market trends that affect both deposit demand and loan credit quality. These three exposures are layered: a Texas-and-Oklahoma footprint provides the geographic base, real estate-secured lending constitutes a medium share of that footprint, and cross-border Mexican deposits provide a meaningful funding layer that introduces a distinctive dual-country dimension. The Mexican deposit dependency is the most idiosyncratic feature of the profile and the concentration least common among peer institutions — it is the primary watch variable for funding stability.
For the engine’s reasoning on IBOC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| IBOC● | International Bancshares Corpor | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.