International Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
International Bancshares has total assets of $15.1B and total equity of $2.4B. Total deposits are $11.8B, and total loans are $7.9B. It earns a Net Interest Margin of 4.8%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $651.1M.
Key information
6.2x
Asset to equity ratio
4.8%
Net interest margin
Total deposits | US$11.82b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.6% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$651.06m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: IB4's Assets to Equity ratio (6.2x) is low.
Allowance for Bad Loans: IB4 has a sufficient allowance for bad loans (333%).
Low Risk Liabilities: 94% of IB4's liabilities are made up of primarily low risk sources of funding.
Loan Level: IB4 has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: IB4's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: IB4 has an appropriate level of bad loans (0.6%).