Side-by-side · Q2 2026 data
First National Bank of Oklahoma vs International Bank of Commerce
Metric by metric
| Measure | First National Bank of Oklahoma | International Bank of Commerce |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 54 | 78 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 56 | 90 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 31st | 98th |
| Total assets | $949.9M | $1.6B |
| Deposits / shares | $807.0M | $1.2B |
| Capital ratio | 10.46% | 15.53% (stronger) |
| Problem loans | 1.39% | 0.66% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.25% |
| Return on assets | 2.33% (stronger) | 1.37% |
| Loans ÷ deposits | 92.0% | 54.8% (stronger) |
| Uninsured deposits | 25.9% | 24.2% (stronger) |
| Offices | 4 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
International Bank of Commerce has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Oklahoma leads on 2 and International Bank of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.