Chicago, IL · Cert 33708 · Ibc Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
66
Asset Quality
89
Profitability
67
Liquidity
96
Efficiency
82
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.
Chicago, IL · Cert 33708 · Ibc Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #53 of 147 inst. · $0.8B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.67% | 0.56% | 0.76% | 0.89% | 1.02% | 1.36% | 1.45% | +68 bps | |
| Return on Equity | 6.74% | 6.81% | 5.48% | 7.44% | 8.53% | 9.63% | 11.71% | 12.46% | +502 bps | |
| Net Interest Margin | 2.21% | 2.33% | 2.74% | 2.79% | 2.89% | 2.98% | 3.38% | 3.44% | +65 bps | |
| Efficiency Ratio | 66.44% | 66.42% | 75.36% | 71.43% | 68.75% | 65.61% | 57.35% | 55.18% | -1,625 bps | |
| Non-Interest Burden | 1.30% | 1.38% | 1.94% | 1.84% | 1.82% | 1.76% | 1.68% | 1.60% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 3.70% | 1.02% | -2.41% | -5.50% | -0.92% | -0.73% | -0.01% | +240 bps | |
| Loan Growth (YoY) | 8.47% | 3.82% | -1.02% | -7.31% | -8.12% | -7.43% | -4.56% | -2.02% | +529 bps | |
| Deposit Growth (YoY) | 8.02% | 17.66% | 6.44% | -1.02% | -4.82% | -1.88% | -1.61% | -1.20% | -18 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.32% | 0.21% | 0.11% | 0.10% | 0.05% | 0.05% | 0.05% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.58% | 1.65% | 1.70% | 1.71% | 1.69% | 1.68% | 1.67% | 1.67% | -4 bps | |
| Allowance Coverage of NPLs | 4.5x | 5.1x | 7.9x | 16.0x | 16.3x | 31.8x | 32.3x | 32.9x | +16.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 11.12% | 11.34% | 11.34% | 11.84% | 12.24% | 12.57% | 12.54% | +120 bps | |
| Total Risk-Based Capital | 17.30% | 17.74% | 18.66% | 18.92% | 19.60% | 20.71% | 20.89% | 20.95% | +203 bps | |
| Equity / Assets | 9.61% | 10.15% | 10.22% | 10.37% | 10.88% | 11.58% | 11.63% | 11.56% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.49% | 92.90% | 89.36% | 87.37% | 87.36% | 87.65% | 86.67% | 86.64% | -73 bps | |
| Liquid Assets / Assets | 8.30% | 5.14% | 8.56% | 9.57% | 9.70% | 8.41% | 9.49% | 9.59% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 365% | 363% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.51% | 0.84% | 1.19% | Beats 82% | 10 / 57 | ||
| Return on Equity | 12.44% | 3.13% | 7.76% | 11.40% | Beats 81% | 11 / 57 | ||
| Net Interest Margin | 3.44% | 3.16% | 3.63% | 4.08% | Beats 37% | 36 / 57 | ||
| Efficiency Ratio | 55.18% | 59.57% | 69.70% | 81.06% | Beats 82% | 11 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.06% | 0.34% | 1.78% | Beats 77% | 14 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.69% | 12.24% | 16.06% | 19.69% | Beats 74% | 15 / 57 | ||
| Total Risk-Based Capital Ratio | 20.95% | 12.54% | 16.50% | 20.95% | Beats 74% | 15 / 57 | ||
| Equity / Assets | 11.56% | 9.37% | 11.56% | 15.00% | Beats 49% | 29 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.64% | 66.29% | 85.59% | 95.16% | 51st pctl | 28 / 57 | ||
| Loans / Assets | 76.09% | 57.07% | 71.07% | 78.13% | 68th pctl | 18 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||