Side-by-side · Q2 2026 data
First National Bank of South Padre Island vs International Bank of Commerce
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank of South Padre Island | International Bank of Commerce |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 91 | 95 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 88 (stronger) | 83 |
| Problem-loan coverage | 92 (stronger) | 48 |
| Peer percentile | 76th | 33rd |
| Total assets | $78.2M | $4.6B |
| Deposits / shares | $67.1M | $3.9B |
| Capital ratio | 14.13% | 14.46% (stronger) |
| Problem loans | 1.24% (stronger) | 9.17% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 2.27% (stronger) | 1.73% |
| Loans ÷ deposits | 57.2% | 39.2% (stronger) |
| Uninsured deposits | 26.2% (stronger) | 30.1% |
| Offices | 2 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of South Padre Island has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of South Padre Island leads on 5 and International Bank of Commerce on 2. 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.
Where both have branches
- Port Isabel, TX
- South Padre Island, TX