International Bank of Chicago: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.03 percentage points in Q2 2026, from 235.07% to 230.04%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, International Bank of Chicago is 86th of 323 on loan-to-deposit ratio, 86.64% as of Q2 2026, above the middle of the field. International Bank of Chicago reported 86.64% on loan-to-deposit ratio for Q2 2026, 5.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $747.7M |
| Net loans and leases | $735.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.09% |
| Loan-to-deposit ratio | 86.64% |
| Net loans to equity capital | 6.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.33% |
| Multifamily (5+ residential) | 6.18% |
| Commercial and industrial | 4.34% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.04% |
| Construction concentration (Tier 1 capital + allowance) | 33.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.47% |
| Interest income on loans | $12.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $760.6M | $844.1M | 47.08% | 6.02% | 0.05% |
| Q4 2023 | $772.5M | $733.7M | 45.98% | 6.91% | 0.05% |
| Q1 2024 | $794.2M | $826.4M | 44.25% | 6.75% | 0.03% |
| Q2 2024 | $823.3M | $882.4M | 45.37% | 6.59% | 0.02% |
| Q3 2024 | $825.1M | $911.8M | 45.34% | 6.44% | 0.02% |
| Q4 2024 | $802.0M | $863.3M | 45.63% | 4.13% | 0.02% |
| Q1 2025 | $786.1M | $879.7M | 46.26% | 4.69% | 0.02% |
| Q2 2025 | $763.1M | $873.4M | 47.27% | 5.22% | 0.02% |
| Q3 2025 | $758.1M | $867.8M | 47.73% | 5.05% | 0.03% |
| Q4 2025 | $742.4M | $847.1M | 47.95% | 4.82% | 0.03% |
| Q1 2026 | $750.2M | $865.6M | 47.36% | 4.63% | 0.02% |
| Q2 2026 | $747.7M | $863.0M | 46.33% | 4.34% | 0.02% |
International Bank of Chicago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Chicago, freeSource: Call Report Schedule RC-C, 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)