Side-by-side · Q2 2026 data
Texas Exchange Bank vs International Bank of Commerce
Metric by metric
| Measure | Texas Exchange Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 74 | 95 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 37 | 89 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 48 |
| Peer percentile | 90th | 33rd |
| Total assets | $4.5B | $4.6B |
| Deposits / shares | $2.6B | $3.9B |
| Capital ratio | 12.44% | 14.46% (stronger) |
| Problem loans | 0.00% (stronger) | 9.17% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 0.43% | 1.73% (stronger) |
| Loans ÷ deposits | 25.9% (stronger) | 39.2% |
| Uninsured deposits | 1.3% (stronger) | 30.1% |
| Offices | 2 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Exchange Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Texas Exchange Bank leads on 5 and International Bank of Commerce on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.