Side-by-side · Q2 2026 data
Texas Community Bank vs International Bank of Commerce
Metric by metric
| Measure | Texas Community Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 78 | 95 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 50 | 83 (stronger) |
| Problem-loan coverage | 98 (stronger) | 48 |
| Peer percentile | 95th | 33rd |
| Total assets | $2.2B | $4.6B |
| Deposits / shares | $1.9B | $3.9B |
| Capital ratio | 12.78% | 14.46% (stronger) |
| Problem loans | 0.20% (stronger) | 9.17% |
| Net charge-offs | 0.05% (stronger) | 0.12% |
| Return on assets | 2.03% (stronger) | 1.73% |
| Loans ÷ deposits | 58.6% | 39.2% (stronger) |
| Uninsured deposits | 63.9% | 30.1% (stronger) |
| Offices | 10 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Texas Community Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Bank leads on 4 and International Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.