Side-by-side · Q2 2026 data
HomeBank Texas vs International Bank of Commerce
Metric by metric
| Measure | HomeBank Texas | International Bank of Commerce |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 96 (stronger) | 78 |
| Earnings | 97 (stronger) | 75 |
| Funding & liquidity | 44 | 90 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 75th | 98th |
| Total assets | $403.0M | $1.6B |
| Deposits / shares | $354.9M | $1.2B |
| Capital ratio | 11.59% | 15.53% (stronger) |
| Problem loans | 0.11% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.92% (stronger) | 1.37% |
| Loans ÷ deposits | 83.5% | 54.8% (stronger) |
| Uninsured deposits | 44.2% | 24.2% (stronger) |
| Offices | 3 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
International Bank of Commerce has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), HomeBank 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.