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. Read IBOC total liabilities for a breakdown of total debt and financial obligations.
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. See IBOC net assets for net asset value and shareholders' equity analysis.
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 | $4.85 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 |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
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 | -- |
About 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