Side-by-side · Q2 2026 data
First National Bank of Waterloo vs International Bank of Chicago
Metric by metric
| Measure | First National Bank of Waterloo | International Bank of Chicago |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 42 | 75 (stronger) |
| Loan quality | 56 | 98 (stronger) |
| Earnings | 58 | 93 (stronger) |
| Funding & liquidity | 91 (stronger) | 46 |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 19th | 82nd |
| Total assets | $929.3M | $982.7M |
| Deposits / shares | $779.6M | $863.0M |
| Capital ratio | 9.21% | 12.54% (stronger) |
| Problem loans | 1.33% | 0.05% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 0.96% | 1.82% (stronger) |
| Loans ÷ deposits | 69.3% (stronger) | 85.2% |
| Uninsured deposits | 14.0% (stronger) | 41.4% |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | 8.1% |
International Bank of Chicago has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Waterloo leads on 2 and International Bank of Chicago on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.