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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -1.2% year over year ($863.0M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.82%.
  • Efficiency ratio 55.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

International Bank of Chicago has 3 strengths but faces 3 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 13.8% in tier
  • + Efficiency Ratio 9.30% below tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 26.9% in tier
  • - Liquidity Overhang: Bottom 31.4% in tier
  • - Net Interest Margin 0.46% below tier average
Get updates when International Bank of Chicago releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $982.7M
-0.0% YoY -0.4% QoQ
+$596.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 0.6% in tier
Total Loans ? $735.2M
-2.0% YoY -0.3% QoQ
+$476.8M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 1.4% in tier
Total Deposits ? $863.0M
-1.2% YoY -0.3% QoQ
+$536.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 0.4% in tier
Return on Assets ? 1.82%
+89.5% YoY +6.3% QoQ
+0.50% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 3.52%
+22.4% YoY +0.9% QoQ
-0.46% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 55.18%
-22.8% YoY -3.8% QoQ
-9.30% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.05%
-52.7% YoY -1.5% QoQ
-0.87% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 85.19%
-0.8% YoY -0.0% QoQ
+7.24% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 15.89%
-11.4% YoY +21.5% QoQ
-6.14% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.59%
-7.1% YoY +0.3% QoQ
-0.08% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 19.69%
+11.5% YoY +0.3% QoQ
+3.78% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 14.4% in tier
Non-Interest Income / Assets ? 0.33%
+23.4% YoY +115.7% QoQ
-0.24% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 15.9%
-2.1pp YoY
+2.8pp QoQ
 -6.3pp 22.1% 20.1% 22.2% 27%
Brokered Deposits 11.4%
-1.1pp YoY
-0.1pp QoQ
 +3.5pp 7.9% 8.0% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 4.4%
-0.9pp YoY
-0.3pp QoQ
 -7.1pp 11.6% 14.7% 12.5% 16%
CRE 59.5%
-0.9pp YoY
-1.5pp QoQ
 +19.9pp 39.5% 37.9% 41.4% 84%
1-4 Family 37.7%
+1.8pp YoY
+1.8pp QoQ
 +5.0pp 32.6% 28.3% 31.3% 66%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.4% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 19.7%
+2.0pp YoY
+0.1pp QoQ
 +0.9pp 18.8% 19.9% 19.7% 76%
Leverage Ratio 12.5%
+1.2pp YoY
0.0pp QoQ
 +0.4pp 12.2% 12.2% 12.6% 70%
Total Capital Ratio 20.9%
+2.0pp YoY
+0.1pp QoQ
 +1.0pp 19.9% 20.9% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 132
+4 (+3.1%) YoY
+2 (+1.5%) QoQ
 +73 58 228 482 95%
Assets per Employee ($) $7.4M
-3.0% YoY
-1.9% QoQ
 -$74K $7.5M $8.3M $8.8M 60%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 12%
Allowance Coverage 32.88x
+106.1% YoY
+1.9% QoQ
 +8.73x 24.15x 5.62x 20.23x 92%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.7%
+6.3pp YoY
+0.9pp QoQ
 +3.5pp 12.2% 10.5% 11.6% 71%
Cost of Funds (YTD) 2.3%
-0.5pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 84%
Net Income ($, YTD) $8.9M
+88.5% YoY
— QoQ
 +$6.3M $2.6M $11.7M $40.4M 98%

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
#92 of 661 • Top 13.8% in tier

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

Why this signature
Return on Assets: 1.82%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#145 of 535 • Bottom 26.9% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#234 of 742 • Bottom 31.4% 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: 19.69%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

11
Total Deposits
size
Value: $862.96M
Peer Median: $326.73M
#11 of 2643 Top 0.4% in $100M-$1B
17
Total Assets
size
Value: $982.67M
Peer Median: $386.57M
#17 of 2643 Top 0.6% in $100M-$1B
37
Total Loans
size
Value: $735.19M
Peer Median: $258.35M
#37 of 2643 Top 1.4% in $100M-$1B
382
Tier 1 Capital Ratio
capital
Value: 19.69%
Peer Median: 15.91%
#382 of 2643 Top 14.4% in $100M-$1B
508
Return on Assets
profitability
Value: 1.82%
Peer Median: 1.32%
#508 of 2643 Top 19.2% in $100M-$1B
560
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#560 of 2633 Top 21.2% in $100M-$1B
617
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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