Side-by-side · Q2 2026 data
Valor Bank vs International Bank of Commerce
Metric by metric
| Measure | Valor Bank | International Bank of Commerce |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 55 | 90 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 47th | 98th |
| Total assets | $302.6M | $1.6B |
| Deposits / shares | $262.1M | $1.2B |
| Capital ratio | 8.70% | 15.53% (stronger) |
| Problem loans | 0.32% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 2.15% (stronger) | 1.37% |
| Loans ÷ deposits | 99.8% | 54.8% (stronger) |
| Uninsured deposits | 19.8% (stronger) | 24.2% |
| Offices | 1 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
International Bank of Commerce has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Valor Bank leads on 4 and International Bank of Commerce on 3. 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.