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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