International Bank of Chicago: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The largest change between Q1 2026 and Q2 2026 was in Core deposits to total deposits, which rose 0.52 percentage points to 78.76%. International Bank of Chicago ranks 87th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 86.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. International Bank of Chicago sits 5.70 points higher, at 86.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $97.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $228.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.64% |
| Net loans and leases to deposits | 85.19% |
| Loans and leases to core deposits | 96.14% |
| Core deposits to total deposits | 78.76% |
| Brokered deposits to total deposits | 11.36% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.11% | 78.97% | $0 | $63.0M |
| Q4 2023 | 105.29% | 73.43% | $0 | $103.0M |
| Q1 2024 | 96.10% | 74.85% | $0 | $55.5M |
| Q2 2024 | 93.30% | 75.83% | $0 | $20.7M |
| Q3 2024 | 90.49% | 75.17% | $0 | $21.1M |
| Q4 2024 | 92.90% | 75.39% | $0 | $6.1M |
| Q1 2025 | 89.36% | 74.15% | $0 | $6.1M |
| Q2 2025 | 87.37% | 75.65% | $0 | $1.1M |
| Q3 2025 | 87.36% | 76.65% | $0 | $1.1M |
| Q4 2025 | 87.65% | 77.14% | $0 | $1.1M |
| Q1 2026 | 86.67% | 78.24% | $0 | $1.1M |
| Q2 2026 | 86.64% | 78.76% | $0 | $1.1M |
International Bank of Chicago liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Chicago, freeSource: Call Report Schedules RC and RC-M, 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)