Side-by-side · Q2 2026 data
First State Bank of San Diego vs International Bank of Commerce
Metric by metric
| Measure | First State Bank of San Diego | International Bank of Commerce |
|---|---|---|
| TellerScore | 36 | 93 (stronger) |
| Capital cushion | 40 | 86 (stronger) |
| Loan quality | 12 | 98 (stronger) |
| Earnings | 0 | 93 (stronger) |
| Funding & liquidity | 85 | 94 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 2nd | 98th |
| Total assets | $68.2M | $567.8M |
| Deposits / shares | $61.9M | $457.0M |
| Capital ratio | 9.02% | 13.60% (stronger) |
| Problem loans | 2.65% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.30% |
| Return on assets | -0.55% | 1.81% (stronger) |
| Loans ÷ deposits | 24.1% (stronger) | 30.7% |
| Uninsured deposits | 29.1% | 21.1% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (93 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of San Diego leads on 2 and International Bank of Commerce on 5. 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.