Side-by-side · Q2 2026 data
First State Bank in Temple vs International Bank of Commerce
Metric by metric
| Measure | First State Bank in Temple | International Bank of Commerce |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 62 | 75 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 66 | 96 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $26.4M | $1.6B |
| Deposits / shares | $21.5M | $1.2B |
| Capital ratio | 22.19% (stronger) | 15.53% |
| Problem loans | 8.60% | 0.66% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.06% | 1.37% (stronger) |
| Loans ÷ deposits | 45.2% (stronger) | 54.8% |
| Uninsured deposits | 14.3% (stronger) | 24.2% |
| Offices | 1 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank in Temple leads on 4 and International Bank of Commerce on 3. 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.