Side-by-side · Q2 2026 data
SpiritBank vs International Bank of Commerce
Metric by metric
| Measure | SpiritBank | International Bank of Commerce |
|---|---|---|
| TellerScore | 63 | 88 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 71 | 78 (stronger) |
| Earnings | 54 | 75 (stronger) |
| Funding & liquidity | 87 | 90 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $912.8M | $1.6B |
| Deposits / shares | $819.2M | $1.2B |
| Capital ratio | 9.30% | 15.53% (stronger) |
| Problem loans | 0.86% | 0.66% (stronger) |
| Net charge-offs | 0.29% | 0.25% (stronger) |
| Return on assets | 0.86% | 1.37% (stronger) |
| Loans ÷ deposits | 73.7% | 54.8% (stronger) |
| Uninsured deposits | 14.6% (stronger) | 24.2% |
| Offices | 6 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
International Bank of Commerce has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 1 and International Bank of Commerce on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.