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International Bank Of Chicago

IDRSSD: 2006024
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -15

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2006024 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.6% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↓ -31
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -31
59
Sub-score

Liquidity is deteriorating: brokered 15.8%, loans/deposits 103.6%, cash 3.7% of assets.

Cash / Assets
3.72%
Loans / Deposits
103.60%
Brokered %
15.82%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.10%, CET1 17.10%, leverage 11.22%.

Tier 1 RBC
17.10%
CET1
17.10%
Leverage
11.22%
No watch items at this period.

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 1.56%, Texas Ratio 9.8%, NCO YTD 1.10%.

Adjusted NPL
1.56%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
1.10%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

Stable
70
Sub-score

Reserves are stable: ALLL 1.60% of loans, coverage 104.6%, true coverage 80.7%.

ALLL / Loans
1.60%
Coverage
104.6%
True Loss Coverage
80.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:32:06 UTC