International Bank of Chicago: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 26.11 percentage points in Q2 2026, from 1256.64% to 1282.75%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, International Bank of Chicago is 33rd of 323 on return on assets, 1.93% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, International Bank of Chicago reported 1.93% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.69% |
| Tier 1 risk-based capital ratio | 19.69% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 12.54% |
| Equity capital to assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.03% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 1282.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 16.54% |
| Net interest margin | 3.52% |
| Efficiency ratio | 52.84% |
| Yield on earning assets | 5.77% |
| Cost of funds | 2.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.64% |
| Core deposits to total deposits | 78.76% |
| Brokered deposits to total deposits | 11.36% |
| Deposits to assets | 87.82% |
| Securities to assets | 13.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.70% | 16.70% | 17.96% | 10.74% | 2.08% |
| Q4 2023 | 17.10% | 17.10% | 18.36% | 11.22% | 0.97% |
| Q1 2024 | 17.05% | 17.05% | 18.31% | 11.02% | 0.62% |
| Q2 2024 | 15.63% | 15.63% | 16.89% | 10.50% | 0.70% |
| Q3 2024 | 16.04% | 16.04% | 17.30% | 10.74% | 1.08% |
| Q4 2024 | 16.48% | 16.48% | 17.74% | 11.12% | 0.85% |
| Q1 2025 | 17.40% | 17.40% | 18.66% | 11.34% | 0.70% |
| Q2 2025 | 17.66% | 17.66% | 18.92% | 11.34% | 1.20% |
| Q3 2025 | 18.34% | 18.34% | 19.60% | 11.84% | 1.43% |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 12.24% | 1.77% |
| Q1 2026 | 19.63% | 19.63% | 20.89% | 12.57% | 1.70% |
| Q2 2026 | 19.69% | 19.69% | 20.95% | 12.54% | 1.93% |
International Bank of Chicago vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Chicago, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)