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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15 (d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 24, 2023

INTERNATIONAL BANCSHARES CORPORATION

(Exact name of registrant as specified in its charter)

-

Texas

000-9439

74-2157138

(State or other jurisdiction

(Commission File

(IRS Employer

of incorporation)

Number)

Identification No.)

1200 San Bernardo, Laredo, Texas

78040-1359

(Address of principal executive offices)

(Zip Code)

Registrant's telephone number, including area code (956) 722-7611

None

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.below):

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4 (c ) under the Exchange Act (17 CFR 240.13e-4 (c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Title of Each Class:

Trading Symbol (s):

Name of each exchange on which registered:

Common Stock, $1.00 par value

IBOC

NASDAQ

Item 8.01

Other Events.

On May 24, 2023 International Bancshares Corporation (“IBC”) issued a news release acknowledging that it received top honors by Forbes Magazine according to an article published February 14, 2023, titled “America’s Best Banks.” IBC was ranked #32 in the fourteenth annual ranking.

The news release announcing the Forbes ranking, attached hereto and filed herewith as Exhibit 99, is incorporated herein by reference.

All of the information furnished in Item 8.01 of this report and the accompanying exhibits is also intended to be included under “Item 7.01 — Regulation Fair Disclosure,” shall not be deemed to be “filed” for the purposes of Section 18 of the Securities and Exchange Act of 1934, as amended, is not subject to the liabilities of that section and shall not be incorporated by reference in any filing under the Securities Act of 1933, as amended.

Item 9.01          Financial Statements and Exhibits

(d) Exhibits

99 – The following exhibit is being furnished with this Current Report on Form 8-K.

2

EXHIBIT INDEX

Exhibit Number

    

Description

99

News Release of International Bancshares Corporation dated May 24, 2023

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

3

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

INTERNATIONAL BANCSHARES CORPORATION

By:

/s/ Dennis E. Nixon

DENNIS E. NIXON, President

and Chief Executive Officer

Date: May 24, 2023

4

EXHIBIT 99

Contact:

 

Judith I. Wawroski

 

 

Treasurer and Principal Financial Officer

 

 

International Bancshares Corporation

(956) 722-7611

FOR IMMEDIATE RELEASE:

INTERNATIONAL BANCSHARES MAKES FORBES’ AMERICA’S BEST BANKS LIST

LAREDO, TEXAS – (BUSINESS WIRE) – May 24, 2023 - International Bancshares Corporation (IBC)(NASDAQ: IBOC) has once again been ranked among the nation’s best banks by Forbes Magazine.

The Laredo-based multibank financial holding company ranked 32nd on the 14th annual prestigious list Best Banks in America, which ranked the 100 largest publicly traded banks and thrifts from best to worst.  The ranking was based on factors such as asset quality, capital adequacy, growth and profitability, including IBC’s approximately $16 billion in assets, a 13.3% return on average total common equity and a 44% efficiency ratio. IBC’s lead bank subsidiary, International Bank of Commerce, Laredo (IBC Bank), has also consistently been named as one of the nation’s top banks by Forbes, as well as the number one bank in Texas in 2021 in the annual Best-In-State list by the same publication.

“Our inclusion on the Best Banks in America list comes as another wonderful recognition,”  said Dennis E. Nixon, president and CEO. “ We work hard for our customer’s trust, and it’s humbling to be recognized by industry experts. Our top priority is the relationship we have with our clients and doing everything we can to protect their most valuable assets. ‘Doing More’ is the foundation of everything we do.”

The annual “Best Banks” list is developed by Forbes based on data compiled by SNL Financial of Charlottesville, Virginia. This year’s rankings evaluated factors including nonperforming assets as a percent of assets, reserves as a percent of non-performing loans, two capital ratios (Tier 1 and risk-based) and revenue growth over the last 12 months. All the data used in the evaluation is based on regulatory filings for the period ending September 30, 2022.

IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 167 facilities and 257 ATMs serving 75 communities in Texas and Oklahoma.

 

“Safe Harbor” statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission.

 

Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml.