International Bancshares Corporation - Asset Resilience Ratio
International Bancshares Corporation (IBOC) has an Asset Resilience Ratio of 28.98% as of December 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. Check IBOC capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
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. See International Bancshares Corporation (IBOC) balance sheet quality index to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see IBOC stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $4.83 Billion | 28.98% |
| Total Liquid Assets | $4.83 Billion | 28.98% |
Asset Resilience Insights
- Very High Liquidity: International Bancshares Corporation maintains exceptional liquid asset reserves at 28.98% 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 |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
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