Side-by-side · Q2 2026 data
First Liberty Bank vs International Bank of Commerce
Metric by metric
| Measure | First Liberty Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 63 | 75 (stronger) |
| Funding & liquidity | 54 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 64th | 98th |
| Total assets | $885.0M | $1.6B |
| Deposits / shares | $768.3M | $1.2B |
| Capital ratio | 11.82% | 15.53% (stronger) |
| Problem loans | 0.07% (stronger) | 0.66% |
| Net charge-offs | 0.18% (stronger) | 0.25% |
| Return on assets | 1.07% | 1.37% (stronger) |
| Loans ÷ deposits | 93.0% | 54.8% (stronger) |
| Uninsured deposits | 26.9% | 24.2% (stronger) |
| Offices | 4 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
International Bank of Commerce has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 2 and International Bank of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.