International Bank of Chicago: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Accumulated other comprehensive income edged down by 1.8%, from -$9.1M to -$9.3M, the largest move among the key lines here. International Bank of Chicago ranks 49th of 198 Illinois banks on CET1 ratio, in the upper half at 19.69% (Q2 2026). International Bank of Chicago reported 19.69% on CET1 ratio for Q2 2026, 4.62 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.69% |
| Tier 1 risk-based capital ratio | 19.69% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 12.54% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $122.9M |
| Tier 1 capital | $122.9M |
| Total risk-based capital | $130.8M |
| Total equity capital | $113.6M |
| Risk-weighted assets | $624.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | -3.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $21.4M |
| Retained earnings | $99.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.70% | 16.70% | 17.96% | 10.74% | $633.1M |
| Q4 2023 | 17.10% | 17.10% | 18.36% | 11.22% | $631.7M |
| Q1 2024 | 17.05% | 17.05% | 18.31% | 11.02% | $640.5M |
| Q2 2024 | 15.63% | 15.63% | 16.89% | 10.50% | $682.8M |
| Q3 2024 | 16.04% | 16.04% | 17.30% | 10.74% | $681.7M |
| Q4 2024 | 16.48% | 16.48% | 17.74% | 11.12% | $676.2M |
| Q1 2025 | 17.40% | 17.40% | 18.66% | 11.34% | $648.6M |
| Q2 2025 | 17.66% | 17.66% | 18.92% | 11.34% | $637.3M |
| Q3 2025 | 18.34% | 18.34% | 19.60% | 11.84% | $631.8M |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 12.24% | $617.3M |
| Q1 2026 | 19.63% | 19.63% | 20.89% | 12.57% | $631.1M |
| Q2 2026 | 19.69% | 19.69% | 20.95% | 12.54% | $624.4M |
International Bank of Chicago regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Chicago, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full International Bank of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33708) · FFIEC NIC profile (RSSD 2006024)