Side-by-side · Q2 2026 data
International Bank of Commerce vs Texas Community Bank
Metric by metric
| Measure | International Bank of Commerce | Texas Community Bank |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 26 | 93 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 25 | 50 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 69th | 95th |
| Total assets | $10.2B | $2.2B |
| Deposits / shares | $6.6B | $1.9B |
| Capital ratio | 19.02% (stronger) | 12.78% |
| Problem loans | 2.21% | 0.20% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 2.82% (stronger) | 2.03% |
| Loans ÷ deposits | 107.3% | 58.6% (stronger) |
| Uninsured deposits | 40.2% (stronger) | 63.9% |
| Offices | 72 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 4 and Texas Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.