International Bancshares Corporation - Asset Resilience Ratio
International Bancshares Corporation (IBOC) has an Asset Resilience Ratio of 21.24% as of June 2026. 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. See IBOC working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how International Bancshares Corporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see International Bancshares Corporation total assets.
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. Explore IBOC strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.62 Billion | 21.24% |
| Total Liquid Assets | $3.62 Billion | 21.24% |
Asset Resilience Insights
- Good Liquidity Position: International Bancshares Corporation maintains a healthy 21.24% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- 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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for International Bancshares Corporation (2000–2025)
The table below shows the annual Asset Resilience Ratio data for International Bancshares Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 28.98% | $4.83 Billion | $16.68 Billion | -2.71pp |
| 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 | -- |
About International Bancshares Corporation
International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. It also provides international banking services, includ… Read more