Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs International Bank of Commerce
Metric by metric
| Measure | The Bank and Trust, S.S.B. | International Bank of Commerce |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 98 (stronger) | 26 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 25 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 68th | 69th |
| Total assets | $583.8M | $10.2B |
| Deposits / shares | $529.3M | $6.6B |
| Capital ratio | 9.96% | 19.02% (stronger) |
| Problem loans | 0.05% (stronger) | 2.21% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.56% | 2.82% (stronger) |
| Loans ÷ deposits | 74.3% (stronger) | 107.3% |
| Uninsured deposits | 24.9% (stronger) | 40.2% |
| Offices | 7 | 72 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
The Bank and Trust, S.S.B. has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 5 and International Bank of Commerce on 2. 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.