Side-by-side · Q2 2026 data
Liberty National Bank vs International Bank of Commerce
Metric by metric
| Measure | Liberty National Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 84 | 88 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 78 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 86 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 95th | 98th |
| Total assets | $1.3B | $1.6B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 10.31% | 15.53% (stronger) |
| Problem loans | 0.02% (stronger) | 0.66% |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 2.15% (stronger) | 1.37% |
| Loans ÷ deposits | 74.3% | 54.8% (stronger) |
| Uninsured deposits | 11.7% (stronger) | 24.2% |
| Offices | 9 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
International Bank of Commerce has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 4 and International Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.