International Bancshares

Q2 FY2026 EarningsQ2 FY26 diluted EPS of $1.54 missed the consensus mean of $1.61 by 4.35%, primarily driven by a 4.3% YoY decline in net income to $95.8 million. While the first half of the year benefited from higher interest income and disciplined deposit rate management, the Q2 results were weighed down by an increased provision for credit loss expense and rising non-accrual loan balances. Total assets grew to $17.0B, but the bottom-line pressure reflects a shift in credit risk expectations despite steady loan growth.