Side-by-side · Q2 2026 data
The First National Bank of Fletcher vs International Bank of Commerce
Metric by metric
| Measure | The First National Bank of Fletcher | International Bank of Commerce |
|---|---|---|
| TellerScore | 65 | 88 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 64 | 78 (stronger) |
| Earnings | 54 | 75 (stronger) |
| Funding & liquidity | 92 (stronger) | 90 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 26th | 98th |
| Total assets | $23.4M | $1.6B |
| Deposits / shares | $21.2M | $1.2B |
| Capital ratio | 9.93% | 15.53% (stronger) |
| Problem loans | 1.07% | 0.66% (stronger) |
| Net charge-offs | -0.75% (stronger) | 0.25% |
| Return on assets | 0.86% | 1.37% (stronger) |
| Loans ÷ deposits | 18.6% (stronger) | 54.8% |
| Uninsured deposits | 22.5% (stronger) | 24.2% |
| Offices | 1 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fletcher leads on 3 and International Bank of Commerce on 4. 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.