Side-by-side · Q2 2026 data
International Finance Bank vs Pacific National Bank
Metric by metric
| Measure | International Finance Bank | Pacific National Bank |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 33 | 58 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 68 (stronger) | 66 |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 40th | 83rd |
| Total assets | $1.6B | $1.6B |
| Deposits / shares | $1.5B | $1.3B |
| Capital ratio | 8.31% | 10.80% (stronger) |
| Problem loans | 0.30% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.20% (stronger) | 1.15% |
| Loans ÷ deposits | 90.4% | 73.0% (stronger) |
| Uninsured deposits | 15.3% (stronger) | 27.8% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Pacific National Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), International Finance Bank leads on 3 and Pacific National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.