Bank Comparison
Main Street Bank vs International Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| CET1 Ratio | 16.51% | 21.53% |
| Tier 1 Capital Ratio | 16.51% | 21.53% |
| Total Capital Ratio | 17.52% | 22.51% |
| Tier 1 Leverage Ratio | 12.06% | 15.13% |
| Equity / Assets | 11.17% | 15.44% |
Profitability
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 0.53% | 1.26% |
| Return on Equity (ROE) | 4.86% | 8.57% |
| Net Interest Margin (NIM) | 2.96% | 3.52% |
| Yield on Earning Assets | 5.00% | 4.90% |
| Cost of Funds | 2.27% | 1.40% |
Asset quality
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| Texas Ratio | 11.18% | 9.97% |
| Non-Performing Loan Ratio | 1.66% | 3.31% |
| Non-Performing Asset Ratio | 1.32% | 1.36% |
| Net Charge-Off Ratio | -0.05% | 0.43% |
| ACL / Loans | 0.92% | 1.71% |
Balance sheet
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| Total Assets | $1,612M | $1,610M |
| Total Deposits | $1,344M | $1,165M |
| Total Loans | $1,281M | $645,629K |
| Total Equity | $180,003K | $248,787K |
| Net Income (quarter) | $2,171K | $5,300K |
Liquidity & funding
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 95.29% | 55.38% |
| Core Deposit Ratio | 95.15% | 96.50% |
| Uninsured Deposit Ratio | 29.39% | 22.84% |
Identity
| Metric | Main Street Bank | International Bank of Commerce |
|---|---|---|
| Headquarters City | MARLBOROUGH | OKLAHOMA CITY |
| Headquarters State | MA | OK |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 41 |
| Employees (FTE) | 141 | 246 |
| Established | April 3, 1860, midnight | Jan. 1, 2017, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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