INTERNATIONAL BANCSHARES CORP

We are a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma. We were organized and we operate as a bank holding company within the meaning of the Bank Holding Company Act of 1956 (BHCA). As a bank holding company, we may own one or more banks and may engage in activities closely related to banking. In this regard, we are subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). In addition, all five of our wholly owned banking subsidiaries are members of and subject to regulation by the Federal Deposit Insurance Corporation (FDIC). Our principal corporate offices are located in Laredo, Texas. Our principal assets at December 31, 2025, consisted of all the outstanding capital stock of four Texas state banking associations and one Oklahoma state banking corporation as follows: International Bank of Commerce, located in Laredo, Texas (IBC); Commerce Bank, located in Laredo, Texas (Commerce Bank); International Bank of Commerce, located in Brownsville, Texas (IBC Brownsville); International Bank of Commerce, located in Zapata, Texas (IBC Zapata); and International Bank of Commerce, located in Oklahoma City, Oklahoma (IBC-Oklahoma). These five subsidiary banks are collectively referred to in this report as our Subsidiary Banks. Our philosophy focuses on customer service as represented by the motto, We Do More.