International Bank of Chicago
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Data as of · sourced from FFIEC call reports. How we update
International Bank of Chicago is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1992 (FDIC certificate 33708), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $982.7M, little changed from Q2 2025, the 54th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33708
- Headquarters
- Chicago, IL
- Established
- 1992
- Total assets, Q2 2026
- $982.7M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 19.69%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071006651
- Latest call report
- Q2 2026, FFIEC 051 · International Bank of Chicago Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- IBC BANCORP, INC.
- Asset rank in state
- 54th of 319 in Illinois
International Bank of Chicago pays more for its money than most banks of its size. It reported $983 million in assets at June 30, 2026. It pays an average of 2.56% on its deposits and borrowings, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 2.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $4.7 million, 58% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, International Bank of Chicago reported a CET1 capital ratio of 19.69%, a return on assets of 1.93%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 4.56%. The figures come from its call report filed with the FFIEC.
International Bank of Chicago ranks as the 54th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $982.7M, loans fell 0.3% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.5%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Chicago 2 offices book 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, International Bank of Chicago meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5069 N Broadway St, Chicago, IL 60640
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 26, 1992
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $863.0M
- Allowance for credit losses
- $12.5M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $980.1M
- Average total loans
- $750.3M
- Average interest-bearing deposits
- $729.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 1992
- FDIC Cert
- 33708
- Fed RSSD
- 2006024
- Website
- www.inbk.com →
- Parent Holding Company
- IBC BANCORP, INC. (RSSD 2339759)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
International Bank of Chicago's total assets moved between a low of $939.3M (Q4 2023) and a high of $1.04B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$982.7M total assets against $982.8M; $869.0M total liabilities against $880.8M.
$735.2M net loans and leases against $750.0M; $863.0M total deposits against $873.4M.
$131.1M securities against $116.1M; $97.0M cash and balances due against $96.9M.
$14.0M total interest income against $13.7M; $5.5M total interest expense against $6.7M.
$8.5M net interest income against $7.0M.
$1.7M total noninterest income against $1.4M; $5.4M total noninterest expense against $5.7M.
$0 provision for credit losses against -$300K.
$4.7M net income against $3.0M.
1.93% return on assets against 1.20%; 3.52% net interest margin against 2.87%.
19.69% CET1 capital ratio against 17.66%; 12.54% tier 1 leverage ratio against 11.34%.
Inside the full International Bank of Chicago terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
International Bank of Chicago rankings
Its closest position to the top of a national ranking is 569 of 3,611, for ROA; its furthest is 1,438 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.93% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.69% | 1.93% | 0.05% | 4.56% | 3.52% |
| Q1 2026 | 19.63% | 1.70% | 0.05% | 4.53% | 3.43% |
| Q4 2025 | 19.45% | 1.77% | 0.05% | 4.64% | 3.30% |
| Q3 2025 | 18.34% | 1.43% | 0.10% | 5.15% | 3.08% |
| Q2 2025 | 17.66% | 1.20% | 0.11% | 5.39% | 2.87% |
| Q1 2025 | 17.40% | 0.70% | 0.21% | 6.15% | 2.78% |
| Q4 2024 | 16.48% | 0.85% | 0.32% | 7.12% | 2.64% |
| Q3 2024 | 16.04% | 1.08% | 0.35% | 7.32% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| International Bank of Chicago (main office) | Chicago , IL | 60640 | $455.4M |
| Stone Park Branch | Stone Park , IL | 60165 | $146.3M |
| All American Bank Branch | Des Plaines , IL | 60016 | $92.3M |
| Cermak Road Branch | Chicago , IL | 60616 | $80.5M |
| Port Jervis New York Branch | Port Jervis , NY | 12771 | $61.6M |
| Wilmette Branch | Wilmette , IL | 60091 | $26.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 24, 2012 | Structure Change | Acquired Premier Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 23, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 29, 2011 | Structure Change | Acquired All American Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 28, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IL, rank 73 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 125 applications, 100 loans originated, $37.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about International Bank of Chicago
What are International Bank of Chicago's total assets?
As of the Q2 2026 filing, International Bank of Chicago reported total assets of $982.7 million in its FFIEC call report.
Where is International Bank of Chicago headquartered?
It is headquartered in Chicago, IL, United States.
When was International Bank of Chicago founded?
It was established in 1992, per the FDIC institution directory.
Is International Bank of Chicago FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates International Bank of Chicago?
International Bank of Chicago's primary federal regulator is the FDIC.
What is International Bank of Chicago's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does International Bank of Chicago operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is International Bank of Chicago's Texas Ratio?
Its Texas Ratio is 4.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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