Side-by-side · Q2 2026 data
Bank of DeSoto, National Association vs International Bank of Commerce
Metric by metric
| Measure | Bank of DeSoto, National Association | International Bank of Commerce |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 67 | 78 (stronger) |
| Earnings | 85 (stronger) | 75 |
| Funding & liquidity | 79 | 90 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 43rd | 98th |
| Total assets | $264.6M | $1.6B |
| Deposits / shares | $237.3M | $1.2B |
| Capital ratio | 10.06% | 15.53% (stronger) |
| Problem loans | 0.98% | 0.66% (stronger) |
| Net charge-offs | 0.35% | 0.25% (stronger) |
| Return on assets | 1.62% (stronger) | 1.37% |
| Loans ÷ deposits | 63.6% | 54.8% (stronger) |
| Uninsured deposits | 30.8% | 24.2% (stronger) |
| Offices | 1 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
International Bank of Commerce has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of DeSoto, National Association leads on 1 and International Bank of Commerce on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.