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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.68% | 0.56% | 0.96% | 1.14% | 1.43% | 1.36% | 1.53% | +56 bps | |
| Return on Equity | 9.12% | 6.89% | 5.48% | 9.35% | 10.71% | 12.69% | 11.71% | 13.16% | +381 bps | |
| Net Interest Margin | 2.32% | 2.60% | 2.74% | 2.83% | 3.03% | 3.26% | 3.38% | 3.48% | +65 bps | |
| Efficiency Ratio | 60.40% | 66.38% | 75.36% | 67.66% | 63.76% | 57.30% | 57.35% | 53.10% | -1,456 bps | |
| Non-Interest Burden | 1.16% | 1.56% | 1.94% | 1.74% | 1.72% | 1.59% | 1.68% | 1.52% | -22 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% | 0.01% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | |