International Bank of Chicago: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 3.43% to 3.52%, the largest move among the key lines here. International Bank of Chicago ranks 196th of 323 Illinois banks on net interest margin, in the lower half at 3.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. International Bank of Chicago sits 0.43 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.47% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.56% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.1M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.05% | 2.93% | 2.44% | 5.44% | 2.70% |
| Q4 2023 | 5.13% | 3.22% | 2.29% | 5.53% | 2.76% |
| Q1 2024 | 5.24% | 3.41% | 2.22% | 5.64% | 2.76% |
| Q2 2024 | 5.36% | 3.51% | 2.23% | 5.77% | 2.76% |
| Q3 2024 | 5.49% | 3.49% | 2.36% | 5.90% | 2.73% |
| Q4 2024 | 5.63% | 3.31% | 2.64% | 6.13% | 2.75% |
| Q1 2025 | 5.55% | 3.13% | 2.78% | 6.09% | 2.78% |
| Q2 2025 | 5.60% | 3.07% | 2.87% | 6.16% | 2.89% |
| Q3 2025 | 5.68% | 2.94% | 3.08% | 6.26% | 3.01% |
| Q4 2025 | 5.74% | 2.80% | 3.30% | 6.44% | 3.09% |
| Q1 2026 | 5.68% | 2.60% | 3.43% | 6.40% | 3.26% |
| Q2 2026 | 5.77% | 2.56% | 3.52% | 6.47% | 3.26% |
International Bank of Chicago yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Chicago, freeSource: Call Report Schedules RI and RC-K, 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)