International Bank of Chicago is a state-chartered bank headquartered in Chicago, Illinois, in business for about 34 years. At the end of Q2 2026 it reported $982.7M in total assets and $863.0M in deposits, with 6 offices across 2 states.
International Bank of Chicago has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 53rd. Loan quality contributes the most (98/100, 0.05%); funding & liquidity contributes the least (46/100, 85% loans-to-deposits, 41% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (73 → 82), mostly because the earnings component improved by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 73 |
| Q3 2025 | 76 |
| Q4 2025 | 78 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.50% |
| Q3 2024 | 10.74% |
| Q4 2024 | 11.12% |
| Q1 2025 | 11.34% |
| Q2 2025 | 11.34% |
| Q3 2025 | 11.84% |
| Q4 2025 | 12.24% |
| Q1 2026 | 12.57% |
| Q2 2026 | 12.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.71% |
| Q2 2026 | 1.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $982.7M | 12.54% | 0.05% | 1.82% | 85.2% |
| Q1 2026 | 81 | $986.6M | 12.57% | 0.05% | 1.71% | 85.2% |
| Q4 2025 | 78 | $965.0M | 12.24% | 0.05% | 1.28% | 86.2% |
| Q3 2025 | 76 | $981.5M | 11.84% | 0.10% | 1.12% | 85.9% |
| Q2 2025 | 73 | $982.8M | 11.34% | 0.11% | 0.96% | 85.9% |
| Q1 2025 | 69 | $993.8M | 11.34% | 0.21% | 0.71% | 87.8% |
| Q4 2024 | 67 | $974.0M | 11.12% | 0.32% | 0.83% | 91.4% |
| Q3 2024 | 65 | $1.0B | 10.74% | 0.35% | 0.82% | 89.1% |
| Q2 2024 | 53 | $1.0B | 10.50% | 1.38% | 0.68% | 91.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of WaterlooBank Waterloo, IL | 60 out of 100, Moderate | $929.3M | 9.2% | 1.33% | vs |
| Fortress BankBank Peoria, IL | 47 out of 100, Below average | $897.2M | 9.1% | 1.99% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Liberty Bank for SavingsBank Chicago, IL | 84 out of 100, Strong | $868.6M | 24.0% | 0.04% | vs |
| Resource Bank, National AssociationBank Dekalb, IL | 50 out of 100, Below average | $868.6M | 8.5% | 2.44% | vs |
| Millennium BankBank Des Plaines, IL | 33 out of 100, Low | $844.5M | 9.4% | 4.37% | vs |
Deposit insurance
Is my money safe at International Bank of Chicago?
Yes. International Bank of Chicago is an FDIC-insured institution (FDIC certificate #33708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.4% of deposits ($356.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.95% (benchmark: 10%).
6 locations
Branches
International Bank of Chicago lists 6 offices in 5 cities across 2 states. Most locations:
- Chicago, IL (2)
- Des Plaines, IL (1)
- Port Jervis, NY (1)
- Stone Park, IL (1)
- Wilmette, IL (1)
HMDA 2025
Mortgage lending
In 2025, International Bank of Chicago reported 124 home-loan applications under HMDA (LEI 254900KI0CM65KPBM547): 100 originated ($37,350,000 total), 9 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- International Bank of Chicago
- Type
- State-chartered bank
- FDIC certificate #
- 33708
- RSSD ID
- 2006024
- Primary regulator
- FDIC
- Holding company
- Ibc Bcorp Inc
- Established
- October 26, 1992
- Headquarters
- 5069 N Broadway St, Chicago, IL 60640
- Website
- www.inbk.com
- Employees
- 132
Quick answers
International Bank of Chicago: common questions
Is International Bank of Chicago FDIC insured?
Yes. International Bank of Chicago is an FDIC-insured institution (FDIC certificate #33708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is International Bank of Chicago's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has International Bank of Chicago ever failed?
There is no failure record for FDIC certificate #33708 in the FDIC failed bank list.
How many branches does International Bank of Chicago have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Chicago
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |