Side-by-side · Q2 2026 data
Citizens Bank of Ada vs International Bank of Commerce
Metric by metric
| Measure | Citizens Bank of Ada | International Bank of Commerce |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 77 | 78 (stronger) |
| Earnings | 92 (stronger) | 75 |
| Funding & liquidity | 85 | 90 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 53rd | 98th |
| Total assets | $353.7M | $1.6B |
| Deposits / shares | $310.7M | $1.2B |
| Capital ratio | 9.50% | 15.53% (stronger) |
| Problem loans | 0.68% | 0.66% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.25% |
| Return on assets | 1.81% (stronger) | 1.37% |
| Loans ÷ deposits | 60.8% | 54.8% (stronger) |
| Uninsured deposits | 27.7% | 24.2% (stronger) |
| Offices | 3 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Ada leads on 2 and International Bank of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.