Side-by-side · Q2 2026 data
Sovereign Bank vs International Bank of Commerce
Metric by metric
| Measure | Sovereign Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 45 | 75 (stronger) |
| Funding & liquidity | 28 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 33rd | 98th |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 10.29% | 15.53% (stronger) |
| Problem loans | 0.06% (stronger) | 0.66% |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 0.63% | 1.37% (stronger) |
| Loans ÷ deposits | 99.7% | 54.8% (stronger) |
| Uninsured deposits | 44.8% | 24.2% (stronger) |
| Offices | 9 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
International Bank of Commerce has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sovereign Bank leads on 2 and International Bank of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.