BlastPoint's Banking Scorecard
International Bank of Chicago
Community
Specialty: Commercial
IL
FDIC cert 33708
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
International Bank of Chicago has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.21% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 9% in Community
- - Liquidity Overhang: Bottom 31% in Community
- - NIB Deposit Bleed: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$965.0M
-0.9% YoY
-1.7% QoQ
|
-$426.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$730.0M
-7.5% YoY
-2.1% QoQ
|
-$245.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$847.1M
-1.9% YoY
-2.4% QoQ
|
-$317.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.28%
+54.3% YoY
+14.9% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.06%
+26.0% YoY
+3.6% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
65.61%
-1.2% YoY
-4.6% QoQ
|
+2.98% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.05%
-83.7% YoY
-48.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
86.17%
-5.7% YoY
+0.3% QoQ
|
+3.11% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
13.92%
-18.1% YoY
-25.4% QoQ
|
-7.13% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.60%
-27.0% YoY
-4.7% QoQ
|
+0.10% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
19.45%
+18.0% YoY
+6.1% QoQ
|
+9.21% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.58%
+10.5% YoY
+40.7% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.45%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Deposit Outflow
decline
#23 of 248 · Bottom 9% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#83 of 268 · Bottom 31% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.45%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.17%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#37 of 89 · Bottom 41% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.92%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.17% · Tier avg: 83.06%
52
52th pctile
Total Loans
Current: $730.0M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $847.1M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $965.0M · Tier avg: $1.4B
38
38th pctile
Efficiency Ratio
Current: 65.61% · Tier avg: 62.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.50%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.92% · Tier avg: 21.05%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
Top Weaknesses
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.92% · Tier avg: 21.05%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.50%
38
38th pctile
Efficiency Ratio
Current: 65.61% · Tier avg: 62.63%
47
47th pctile
Total Assets
Current: $965.0M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $847.1M · Tier avg: $1.2B
52
52th pctile
Total Loans
Current: $730.0M · Tier avg: $975.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.17% · Tier avg: 83.06%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%