Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Ardmore vs International Bank of Commerce
Metric by metric
| Measure | Citizens Bank and Trust Company of Ardmore | International Bank of Commerce |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 83 (stronger) | 75 |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 72nd | 98th |
| Total assets | $318.8M | $1.6B |
| Deposits / shares | $268.9M | $1.2B |
| Capital ratio | 10.60% | 15.53% (stronger) |
| Problem loans | 0.00% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.59% (stronger) | 1.37% |
| Loans ÷ deposits | 78.1% | 54.8% (stronger) |
| Uninsured deposits | 28.4% | 24.2% (stronger) |
| Offices | 4 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Ardmore leads on 3 and International Bank of Commerce on 4. 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.