International Bank of Chicago: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks International Bank of Chicago of Chicago, IL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.93% | 1.34% | +0.59% | 83rd top |
| ROAE | 16.54% | 13.32% | +3.22% | 74th above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 52.84% | 61.14% | -8.30% | 75th top |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 71st above |
| Yield on Earning Assets | 5.77% | 5.67% | +0.10% | 58th above |
| Cost of Funds | 2.56% | 1.88% | +0.68% | 13th bottom |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.70% | -0.05% | 32nd below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) | 1282.75% | 1546.39% | -263.64% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.03% | 7.34% | -2.31% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.69% | 19.48% | +0.21% | 76th top |
| Tier 1 Ratio | 19.69% | 19.52% | +0.17% | 76th top |
| Total Capital Ratio | 20.95% | 20.60% | +0.35% | 76th top |
| Leverage Ratio | 12.54% | 12.14% | +0.40% | 71st above |
| Equity / Assets | 11.56% | 11.36% | +0.20% | 67th above |
| TCE / Tangible Assets | 11.56% | 11.08% | +0.48% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.64% | 80.66% | +5.98% | 36th below |
| Core Deposit Ratio | 78.76% | 86.86% | -8.10% | 14th bottom |
| Wholesale Funding Ratio | 0.11% | 5.04% | -4.93% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.01% | 6.85% | -6.86% | 19th bottom |
| Loan Growth (Y/Y) | -2.02% | 7.93% | -9.95% | 15th bottom |
| Deposit Growth (Y/Y) | -1.20% | 6.30% | -7.50% | 17th bottom |
See International Bank of Chicago's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock International Bank of Chicago, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full International Bank of Chicago profile, how to read a UBPR, or how this data updates.