International Bank of Chicago: how it compares with its peers
Against 64 IL banks with half to twice its assets, International Bank of Chicago's strongest measure in Q2 2026 is return on assets (1.82% vs. a 1.14% peer median). Its weakest relative measure is net interest margin (3.52% vs. 3.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.14% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.70% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.18% | 62.83% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $7.5M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.19% | 77.92% | Context |
What it means for lending operations
Its efficiency ratio of 55.18% is better than the 62.83% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cornerstone National Bank & Trust Company Palatine, IL · $1.01B
- First National Bank of Waterloo Waterloo, IL · $929M
- First Southern Bank Marion, IL · $1.04B
- Belmont Bank & Trust Company Chicago, IL · $1.05B
- Fortress Bank Peoria, IL · $897M
- Farmers National Bank Prophetstown, IL · $896M
Questions about International Bank of Chicago
How big is International Bank of Chicago?
International Bank of Chicago, established in 1992, is headquartered in Chicago, IL. It reported $983M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is International Bank of Chicago's return on assets?
1.82% annualized in Q2 2026, against a 1.14% median for 64 IL banks with half to twice its assets, ahead of 88% of them.
What is International Bank of Chicago's efficiency ratio?
55.18% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 62.83%, and lower is better.
Is International Bank of Chicago growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.