Side-by-side · Q2 2026 data
Texas Bank and Trust Company vs International Bank of Commerce
Metric by metric
| Measure | Texas Bank and Trust Company | International Bank of Commerce |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 81 | 95 (stronger) |
| Loan quality | 80 (stronger) | 0 |
| Earnings | 81 | 89 (stronger) |
| Funding & liquidity | 34 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 48 |
| Peer percentile | 77th | 33rd |
| Total assets | $4.3B | $4.6B |
| Deposits / shares | $3.8B | $3.9B |
| Capital ratio | 13.10% | 14.46% (stronger) |
| Problem loans | 0.61% (stronger) | 9.17% |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 1.54% | 1.73% (stronger) |
| Loans ÷ deposits | 90.4% | 39.2% (stronger) |
| Uninsured deposits | 47.3% | 30.1% (stronger) |
| Offices | 20 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Bank and Trust Company has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Texas Bank and Trust Company leads on 3 and International Bank of Commerce on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.