Side-by-side · Q2 2026 data
F&M Bank vs International Bank of Commerce
Metric by metric
| Measure | F&M Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 70 | 75 (stronger) |
| Funding & liquidity | 68 | 90 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 47th | 98th |
| Total assets | $915.3M | $1.6B |
| Deposits / shares | $799.0M | $1.2B |
| Capital ratio | 10.00% | 15.53% (stronger) |
| Problem loans | 0.36% (stronger) | 0.66% |
| Net charge-offs | 1.85% | 0.25% (stronger) |
| Return on assets | 1.24% | 1.37% (stronger) |
| Loans ÷ deposits | 81.1% | 54.8% (stronger) |
| Uninsured deposits | 25.1% | 24.2% (stronger) |
| Offices | 11 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
International Bank of Commerce has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 1 and International Bank of Commerce on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Edmond, OK
- Guthrie, OK