PackageTrendsPeer
Letter portraitLegal landscape

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