Side-by-side · Q2 2026 data
Texas Capital Bank vs International Bank of Commerce
Metric by metric
| Measure | Texas Capital Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 83 (stronger) | 78 |
| Earnings | 61 | 75 (stronger) |
| Funding & liquidity | 51 | 90 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 63rd | 98th |
| Total assets | $33.6B | $1.6B |
| Deposits / shares | $29.4B | $1.2B |
| Capital ratio | 10.67% | 15.53% (stronger) |
| Problem loans | 0.50% (stronger) | 0.66% |
| Net charge-offs | 0.27% | 0.25% (stronger) |
| Return on assets | 1.03% | 1.37% (stronger) |
| Loans ÷ deposits | 84.0% | 54.8% (stronger) |
| Uninsured deposits | 37.7% | 24.2% (stronger) |
| Offices | 9 | 41 |
| CFPB complaints (3 yrs) | 140 | — |
| Complaints per $1B deposits | 4.8 | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
International Bank of Commerce has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Texas Capital Bank leads on 1 and International Bank of Commerce on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.