Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs International Bank of Commerce
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | International Bank of Commerce |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 87 (stronger) | 75 |
| Funding & liquidity | 75 | 90 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 64th | 98th |
| Total assets | $449.8M | $1.6B |
| Deposits / shares | $394.6M | $1.2B |
| Capital ratio | 10.20% | 15.53% (stronger) |
| Problem loans | 0.36% (stronger) | 0.66% |
| Net charge-offs | 0.13% (stronger) | 0.25% |
| Return on assets | 1.67% (stronger) | 1.37% |
| Loans ÷ deposits | 78.4% | 54.8% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 24.2% |
| Offices | 6 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 4 and International Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.