Side-by-side · Q2 2026 data
FNB Community Bank vs International Bank of Commerce
Metric by metric
| Measure | FNB Community Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 52 | 88 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 22 | 78 (stronger) |
| Earnings | 65 | 75 (stronger) |
| Funding & liquidity | 73 | 90 (stronger) |
| Problem-loan coverage | 61 | 96 (stronger) |
| Peer percentile | 8th | 98th |
| Total assets | $480.2M | $1.6B |
| Deposits / shares | $430.3M | $1.2B |
| Capital ratio | 10.54% | 15.53% (stronger) |
| Problem loans | 2.35% | 0.66% (stronger) |
| Net charge-offs | 0.36% | 0.25% (stronger) |
| Return on assets | 1.14% | 1.37% (stronger) |
| Loans ÷ deposits | 69.4% | 54.8% (stronger) |
| Uninsured deposits | 30.7% | 24.2% (stronger) |
| Offices | 6 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.3% | — |
International Bank of Commerce has the higher TellerScore (88 vs 52). On the 7 directional measures above (where higher or lower is clearly better), FNB Community Bank leads on 0 and International Bank of Commerce on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.