BlastPoint's Banking Scorecard

International Bank of Chicago

$100M-$1B Specialty: Commercial IL FDIC cert 33708

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Chicago, IL

6 branches across IL · NY

2664 banks in the $100M-$1B peer group nationally 211 in IL

International Bank of Chicago has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 16.5% in tier
+ Efficiency Ratio 7.93% below tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 22.5% in tier
- Liquidity Overhang: Bottom 29.4% in tier
- NIB Deposit Bleed: Bottom 71.2% in tier
- Net Interest Margin 0.44% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$986.6M -0.7% YoY +2.2% QoQ	+$600.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 0.3% in tier
Total Loans ?	$737.7M -4.5% YoY +1.1% QoQ	+$482.0M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 1.2% in tier
Total Deposits ?	$865.6M -1.6% YoY +2.2% QoQ	+$537.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 0.3% in tier
Return on Assets ?	1.71% +142.6% YoY +33.4% QoQ	+0.44%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	3.49% +23.3% YoY +14.3% QoQ	-0.44%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	57.35% -23.9% YoY -12.6% QoQ	-7.93%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.05% -76.0% YoY -2.6% QoQ	-0.83%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	85.23% -3.0% YoY -1.1% QoQ	+8.59%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	13.08% -14.4% YoY -6.1% QoQ	-8.94%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.58% -17.8% YoY -2.3% QoQ	-0.05%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	19.63% +12.9% YoY +0.9% QoQ	+3.80%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 14.2% in tier
Non-Interest Income / Assets ?	0.15% +21.2% YoY -73.9% QoQ	-0.13%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#111 of 666 • Top 16.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.71%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (3)

Deposit Outflow

decline

#115 of 506 • Bottom 22.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#218 of 739 • Bottom 29.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.63%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.23%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#142 of 198 • Bottom 71.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.08%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $865.56M

Peer Median: $327.97M

#9 of 2664 Top 0.3% in $100M-$1B

Total Assets

size

Value: $986.59M

Peer Median: $386.08M

#10 of 2664 Top 0.3% in $100M-$1B

Total Loans

size

Value: $737.71M

Peer Median: $255.72M

#34 of 2664 Top 1.2% in $100M-$1B

379

Tier 1 Capital Ratio

capital

Value: 19.63%

Peer Median: 15.83%

#379 of 2664 Top 14.2% in $100M-$1B

564

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#564 of 2654 Top 21.2% in $100M-$1B

582

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#582 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (1 metrics)

2194

Non-Interest-Bearing Deposit Share

funding

Value: 13.08%

Peer Median: 22.02%

#2194 of 2664 Bottom 17.7% in $100M-$1B