Side-by-side · Q2 2026 data
National Bank of Commerce vs IncredibleBank
Metric by metric
| Measure | National Bank of Commerce | IncredibleBank |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 43 (stronger) | 33 |
| Loan quality | 79 (stronger) | 70 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 53 | 58 (stronger) |
| Problem-loan coverage | 91 (stronger) | 82 |
| Peer percentile | 58th | 16th |
| Total assets | $2.2B | $2.1B |
| Deposits / shares | $1.9B | $1.8B |
| Capital ratio | 9.33% (stronger) | 8.30% |
| Problem loans | 0.64% (stronger) | 0.89% |
| Net charge-offs | 0.05% (stronger) | 0.11% |
| Return on assets | 2.00% (stronger) | 1.06% |
| Loans ÷ deposits | 92.0% | 89.0% (stronger) |
| Uninsured deposits | 29.1% | 27.3% (stronger) |
| Offices | 20 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 11.9% |
National Bank of Commerce has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), National Bank of Commerce leads on 5 and IncredibleBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.