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International Bank of Chicago

Chicago, IL · Cert 33708 · Ibc Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

International Bank of Chicago

Chicago, IL · Cert 33708 · Ibc Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$982.7MAssets
$747.7MLoans
$863.0MDeposits
$113.6MEquity
Loan mix
95%RE $714.9M5%C&I $34.7M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $725.8M16%Noninterest $137.1MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.52%Q2 ’255.68%Q2 ’26+29%+23%

Non-interest income vs. expense

1.84%Q2 ’242.37%Q2 ’252.26%Q2 ’26+35%-13%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #53 of 147 inst. · $0.8B of $630.7B

0.2% Cook
0.6% Orange

Executive Summary

  • Earnings: ROA of 1.45%, up 68 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.05% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.54%, up 120 bps from a year ago.
  • Funding: loans stand at 86.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+68 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+65 bps YoY

Efficiency Ratio (YTD, annualized)

55.18%-1,625 bps YoY

Tier 1 Leverage Ratio

12.54%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.89%1.02%1.36%1.45%+68 bps
Return on Equity7.44%8.53%9.63%11.71%12.46%+502 bps
Net Interest Margin2.79%2.89%2.98%3.38%3.44%+65 bps
Efficiency Ratio71.43%68.75%65.61%57.35%55.18%-1,625 bps
Non-Interest Burden1.84%1.82%1.76%1.68%1.60%-24 bps
Growth
Asset Growth (YoY)-2.41%-5.50%-0.92%-0.73%-0.01%+240 bps
Loan Growth (YoY)-7.31%-8.12%-7.43%-4.56%-2.02%+529 bps
Deposit Growth (YoY)-1.02%-4.82%-1.88%-1.61%-1.20%-18 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.10%0.05%0.05%0.05%-6 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.00%0.00%-3 bps
Allowance / Loans1.71%1.69%1.68%1.67%1.67%-4 bps
Allowance Coverage of NPLs16.0x16.3x31.8x32.3x32.9x+16.9x
Capital
Tier 1 Leverage Ratio11.34%11.84%12.24%12.57%12.54%+120 bps
Total Risk-Based Capital18.92%19.60%20.71%20.89%20.95%+203 bps
Equity / Assets10.37%10.88%11.58%11.63%11.56%+119 bps
Liquidity & Funding
Loans / Deposits87.37%87.36%87.65%86.67%86.64%-73 bps
Liquid Assets / Assets9.57%9.70%8.41%9.49%9.59%+2 bps
CRE / Total Capitaln/a388%365%363%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

International Bank of Chicago

Chicago, IL · Cert 33708 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Ibc Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$982.7MAssets
$747.7MLoans
$863.0MDeposits
$113.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: net interest margin trails 63% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 36 of 57).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.44%

Rank 10 of 57

Net Interest Margin

3.44%

Rank 36 of 57

Efficiency Ratio

55.18%

Rank 11 of 57

Equity / Assets

11.56%

Rank 29 of 57

Non-interest income vs. expense

$6.5M$22.1MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 82% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 55.18%Peer median 69.7%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.51%0.84%1.19%Beats 82%10 / 57
Return on Equity12.44%3.13%7.76%11.40%Beats 81%11 / 57
Net Interest Margin3.44%3.16%3.63%4.08%Beats 37%36 / 57
Efficiency Ratio55.18%59.57%69.70%81.06%Beats 82%11 / 57
Asset Quality
Nonperforming Loans / Loans0.05%0.06%0.34%1.78%Beats 77%14 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio19.69%12.24%16.06%19.69%Beats 74%15 / 57
Total Risk-Based Capital Ratio20.95%12.54%16.50%20.95%Beats 74%15 / 57
Equity / Assets11.56%9.37%11.56%15.00%Beats 49%29 / 57
Liquidity & Funding
Loans / Deposits86.64%66.29%85.59%95.16%51st pctl28 / 57
Loans / Assets76.09%57.07%71.07%78.13%68th pctl18 / 57
Brokered Deposits / Depositsn/aNot reported for this institution