Side-by-side · Q2 2026 data
First National Bank Texas vs International Bank of Commerce
Metric by metric
| Measure | First National Bank Texas | International Bank of Commerce |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 59 (stronger) | 26 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 25 |
| Problem-loan coverage | 83 | 85 (stronger) |
| Peer percentile | 33rd | 69th |
| Total assets | $4.6B | $10.2B |
| Deposits / shares | $4.1B | $6.6B |
| Capital ratio | 9.12% | 19.02% (stronger) |
| Problem loans | 1.23% (stronger) | 2.21% |
| Net charge-offs | 0.84% | 0.03% (stronger) |
| Return on assets | 1.21% | 2.82% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 107.3% |
| Uninsured deposits | 8.5% (stronger) | 40.2% |
| Offices | 355 | 72 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
International Bank of Commerce has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 3 and International Bank of Commerce on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.