Side-by-side · Q2 2026 data
People's Bank of Seneca vs International Bank of Commerce
Metric by metric
| Measure | People's Bank of Seneca | International Bank of Commerce |
|---|---|---|
| TellerScore | 65 | 88 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 66 | 78 (stronger) |
| Earnings | 75 | 75 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 29th | 98th |
| Total assets | $495.5M | $1.6B |
| Deposits / shares | $440.9M | $1.2B |
| Capital ratio | 10.08% | 15.53% (stronger) |
| Problem loans | 1.01% | 0.66% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 1.37% (stronger) | 1.37% |
| Loans ÷ deposits | 95.2% | 54.8% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 24.2% |
| Offices | 5 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
International Bank of Commerce has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), People's Bank of Seneca leads on 3 and International Bank of Commerce on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.