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 | 64 |
| Capital cushion | 41 | 95 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 69 | 89 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 83 (stronger) | 48 |
| Peer percentile | 33rd | 33rd |
| Total assets | $4.6B | $4.6B |
| Deposits / shares | $4.1B | $3.9B |
| Capital ratio | 9.12% | 14.46% (stronger) |
| Problem loans | 1.23% (stronger) | 9.17% |
| Net charge-offs | 0.84% | 0.12% (stronger) |
| Return on assets | 1.21% | 1.73% (stronger) |
| Loans ÷ deposits | 55.1% | 39.2% (stronger) |
| Uninsured deposits | 8.5% (stronger) | 30.1% |
| Offices | 355 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 2 and International Bank of Commerce on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.