International Bancshares Corporation
International Bancshares Corporation, a multibank financial holding company, provides a range of commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including lett… Read more
International Bancshares Corporation - Asset Resilience Ratio
International Bancshares Corporation (IBOC) has an Asset Resilience Ratio of 29.29% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how International Bancshares Corporation's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down International Bancshares Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $4.85 Billion | 29.29% |
| Total Liquid Assets | $4.85 Billion | 29.29% |
Asset Resilience Insights
- Very High Liquidity: International Bancshares Corporation maintains exceptional liquid asset reserves at 29.29% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
International Bancshares Corporation Industry Peers by Asset Resilience Ratio
Compare International Bancshares Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for International Bancshares Corporation (2000–2024)
The table below shows the annual Asset Resilience Ratio data for International Bancshares Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 31.69% | $4.99 Billion | $15.74 Billion | -0.32pp |
| 2023-12-31 | 32.01% | $4.82 Billion | $15.07 Billion | +3.51pp |
| 2022-12-31 | 28.50% | $4.42 Billion | $15.50 Billion | +2.24pp |
| 2021-12-31 | 26.26% | $4.21 Billion | $16.05 Billion | +4.30pp |
| 2020-12-31 | 21.96% | $3.08 Billion | $14.03 Billion | -5.94pp |
| 2019-12-31 | 27.90% | $3.38 Billion | $12.11 Billion | -0.84pp |
| 2018-12-31 | 28.73% | $3.41 Billion | $11.87 Billion | -5.34pp |
| 2017-12-31 | 34.08% | $4.15 Billion | $12.18 Billion | -1.31pp |
| 2016-12-31 | 35.39% | $4.18 Billion | $11.80 Billion | -0.28pp |
| 2015-12-31 | 35.67% | $4.20 Billion | $11.77 Billion | -4.77pp |
| 2014-12-31 | 40.44% | $4.93 Billion | $12.20 Billion | -3.48pp |
| 2013-12-31 | 43.91% | $5.30 Billion | $12.08 Billion | -2.58pp |
| 2012-12-31 | 46.50% | $5.53 Billion | $11.88 Billion | +2.08pp |
| 2011-12-31 | 44.41% | $5.21 Billion | $11.74 Billion | +1.80pp |
| 2010-12-31 | 42.61% | $5.09 Billion | $11.94 Billion | +42.61pp |
| 2008-12-31 | 0.00% | $396.00K | $12.44 Billion | -0.19pp |
| 2007-12-31 | 0.20% | $21.85 Million | $11.17 Billion | -0.07pp |
| 2006-12-31 | 0.27% | $29.40 Million | $10.91 Billion | -2.06pp |
| 2005-12-31 | 2.33% | $242.40 Million | $10.39 Billion | +2.12pp |
| 2004-12-31 | 0.22% | $21.40 Million | $9.92 Billion | -0.75pp |
| 2003-12-31 | 0.97% | $63.60 Million | $6.58 Billion | +0.77pp |
| 2002-12-31 | 0.20% | $13.10 Million | $6.50 Billion | -1.51pp |
| 2001-12-31 | 1.71% | $109.35 Million | $6.38 Billion | +1.66pp |
| 2000-12-31 | 0.05% | $2.97 Million | $5.86 Billion | -- |