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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

International Bank of Chicago

Chicago, Illinois · $983M in assets · beside the 11 other Illinois banks between $300M and $1B

The filing

1.82%
ROA
1st of 12
32.9x
Coverage of noncurrent
1st of 12
0.05%
NPA / loans
2nd of 12

International Bank of Chicago is the largest of the 12 Illinois banks nearest its size between $300M and $1B, with $983M in assets at 30 June 2026. Loans are 86.6% of deposits, 9th of 12 against a median of 80.8%, and equity is 11.6% of assets, 5th of 12. Loans grew -2.0% in the year, 10th of 12, and deposits fell 1.2%; the cohort's median loan growth is +1.6%.

Noncurrent loans are 0.05% of the book, 2nd of 12 against a median of 0.70%; 0.07% is 30 to 89 days past due, and the allowance covers them 32.9 times. Commercial real estate is 41.7% of loans, 9th of 12 against a median of 33.5%, and 238% of capital, below the 300% screen, with construction at 34% against the 100% screen.

Return on assets is 1.82%, the highest in the cohort against a median of 0.91%, on an efficiency ratio of 55.2%, 2nd of 12. Five years ago it was 1.81%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsIL banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 0.91% IB International Bank of Chicago 1.82% PS Prairie State Bank & Trust 1.58% HS Home State Bank N.A. 1.48% RB Resource Bank National Association 1.35% FN Farmers National Bank 1.14% FN First National Bank of Waterloo 0.94% FB Fortress Bank 0.87% SV Sauk Valley Bank & Trust Co. 0.81% MB Millennium Bank 0.60% CB Cibm Bank 0.48% LB Liberty Bank for Savings 0.40% FS First Savings Bank of Hegewisch 0.15%
Loans, year over yearIL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.6% MB Millennium Bank +6.3% FB Fortress Bank +5.9% SV Sauk Valley Bank & Trust Co. +5.6% HS Home State Bank N.A. +4.8% FN Farmers National Bank +4.3% FN First National Bank of Waterloo +3.2% PS Prairie State Bank & Trust +0.0% RB Resource Bank National Association -0.4% CB Cibm Bank -0.8% IB International Bank of Chicago -2.0% LB Liberty Bank for Savings -2.4% FS First Savings Bank of Hegewisch -4.1%

SBA 7(a), FY2008 to FY2026

International Bank of Chicago is the 104th largest 7(a) lender into Illinois of 537, with $21M across 13 loans, 0.1% of everything approved in the state (Byline Bank leads with $2.39B). 7 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$10M82nd of 2820.2%quiet FY2015
Dupage, IL$5M59th of 1880.3%quiet FY2014
Lake, IL$3M56th of 1600.3%quiet FY2019
Tazewell, IL$2M16th of 501.9%quiet FY2013
Milwaukee, WI$2M76th of 1440.1%quiet FY2011
Manitowoc, WI$926K26th of 400.6%quiet FY2012
Kenosha, WI$490K50th of 680.2%quiet FY2012
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services14$24M98.5%0.03%353rd of 2,596
Retail trade1$200K0.8%0.00%2278th of 2,589
Manufacturing1$150K0.6%0.00%2019th of 2,246
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and International Bank of Chicago
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans IB International Bank of Chicago 0.1% $21M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
International Bank of ChicagoRankCohort median
Total CRE against capital, the 300% screen238%9th of 12210%
Construction against capital, the 100% screen34%6th of 1236%
Construction and land development, share of loans6.0%6th of 126.2%
Non-owner-occupied nonfarm nonresidential, share of loans29.5%11th of 1218.5%
Total CRE, the guidance definition, share of loans41.7%9th of 1233.5%
CRE growth over 36 months, the third prong-2.6%2nd of 12+24.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
International Bank of Chicago$983M1.8%55.2%0.05%0.00%1.7%86.6%11.6%
First National Bank of Waterloo$929M0.9%63.8%1.33%0.03%1.6%70.3%9.9%
Fortress Bank$897M0.9%79.8%1.99%0.70%1.3%100.7%9.5%
Farmers National Bank$896M1.1%45.0%0.23%0.00%3.2%79.5%14.3%
Liberty Bank for Savings$869M0.4%82.6%0.04%0.00%0.5%82.6%23.4%
Resource Bank National Association$869M1.3%69.2%2.44%0.00%1.2%64.0%7.6%
Millennium Bank$844M0.6%69.7%4.37%0.23%1.5%96.3%9.4%
Prairie State Bank & Trust$840M1.6%60.2%0.52%0.04%1.1%75.7%12.1%
Cibm Bank$820M0.5%80.9%1.08%0.21%1.2%99.8%9.8%
Sauk Valley Bank & Trust Co.$791M0.8%71.2%0.87%-0.04%1.4%82.0%7.6%
First Savings Bank of Hegewisch$787M0.1%91.0%0.06%0.00%0.5%53.1%15.0%
Home State Bank N.A.$776M1.5%68.0%0.07%-0.01%1.2%75.4%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
International Bank of ChicagoCohort median
20212026Change20212026Change
Loans$643M$748M+16%$404M$549M+36%
Deposits$757M$863M+14%$648M$687M+6%
NPA / loans3.38%0.05%-3.33 pts0.70%0.70%-0.00 pts
Efficiency51.2%55.2%+3.9 pts68.6%69.5%+0.8 pts
ROA1.81%1.82%+0.01 pts1.01%0.91%-0.11 pts

This read was prepared for International Bank of Chicago's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on International Bank of Chicago is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $300M to $1B
Institution www.inbk.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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