Side-by-side · Q2 2026 data
VeraBank, National Association vs International Bank of Commerce
Metric by metric
| Measure | VeraBank, National Association | International Bank of Commerce |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 60 | 95 (stronger) |
| Loan quality | 68 (stronger) | 0 |
| Earnings | 84 | 89 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 90 (stronger) | 48 |
| Peer percentile | 66th | 33rd |
| Total assets | $4.6B | $4.6B |
| Deposits / shares | $4.0B | $3.9B |
| Capital ratio | 11.03% | 14.46% (stronger) |
| Problem loans | 0.96% (stronger) | 9.17% |
| Net charge-offs | 0.10% (stronger) | 0.12% |
| Return on assets | 1.61% | 1.73% (stronger) |
| Loans ÷ deposits | 68.8% | 39.2% (stronger) |
| Uninsured deposits | 29.0% (stronger) | 30.1% |
| Offices | 42 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VeraBank, National Association has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 4 and International Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.