Side-by-side · Q2 2026 data
The Payne County Bank vs International Bank of Commerce
Metric by metric
| Measure | The Payne County Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 64 | 78 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 84th | 98th |
| Total assets | $313.2M | $1.6B |
| Deposits / shares | $257.1M | $1.2B |
| Capital ratio | 14.39% | 15.53% (stronger) |
| Problem loans | 1.09% | 0.66% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.25% |
| Return on assets | 2.35% (stronger) | 1.37% |
| Loans ÷ deposits | 91.0% | 54.8% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 24.2% |
| Offices | 3 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
International Bank of Commerce has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Payne County Bank 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.
Where both have branches
- Chandler, OK