PackageTrendsPeer
Letter portraitLegal landscape

Inb, National Association

Springfield, IL · Cert 3664 · Illinois National Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Inb, National Association

Springfield, IL · Cert 3664 · Illinois National Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$2.7BAssets
$2.0BLoans
$2.4BDeposits
$243.3MEquity
Loan mix
80%RE $1.5B20%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $2.1B12%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.03%Q2 ’245.35%Q2 ’255.13%Q2 ’26+15%+5%

Non-interest income vs. expense

2.26%Q2 ’242.36%Q2 ’252.41%Q2 ’26+3%+5%

Market Position · Springfield, IL · 2026 SOD (annual) · 21.0% share · #1 of 26 inst. · $2.1B of $9.8B

21.8% Sangamon
3.4% Peoria
0.2% Hillsborough
0.6% Champaign

Executive Summary

  • Earnings: ROA of 0.95%, up 4 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 1.10% of loans (+26 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.44%, down 23 bps from a year ago.
  • Funding: loans stand at 80.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+15 bps YoY

Efficiency Ratio (YTD, annualized)

63.82%-85 bps YoY

Tier 1 Leverage Ratio

9.44%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.97%0.93%0.93%0.95%+4 bps
Return on Equity9.82%10.41%9.99%9.72%10.07%+25 bps
Net Interest Margin2.89%2.88%2.88%3.12%3.04%+15 bps
Efficiency Ratio64.67%63.59%65.24%64.59%63.82%-85 bps
Non-Interest Burden1.60%1.56%1.63%1.76%1.67%+8 bps
Growth
Asset Growth (YoY)8.37%7.02%4.35%6.27%9.63%+126 bps
Loan Growth (YoY)4.78%0.86%1.25%-0.76%-1.69%-648 bps
Deposit Growth (YoY)7.96%6.61%3.67%6.05%9.97%+201 bps
Asset Quality
Nonperforming Loans / Loans0.84%1.10%0.87%0.72%1.10%+26 bps
Net Charge-Offs / Loans-0.02%0.02%0.07%0.02%0.10%+12 bps
Allowance / Loans1.04%1.05%1.00%1.05%1.07%+3 bps
Allowance Coverage of NPLs1.2x1.0x1.2x1.4x1.0x-0.3x
Capital
Tier 1 Leverage Ratio9.68%9.64%9.75%9.85%9.44%-23 bps
Total Risk-Based Capital12.53%12.92%13.08%13.28%13.28%+75 bps
Equity / Assets9.36%9.44%9.60%9.56%9.07%-29 bps
Liquidity & Funding
Loans / Deposits90.54%87.48%87.92%86.11%80.93%-961 bps
Liquid Assets / Assets10.74%14.22%13.61%15.14%20.46%+971 bps
CRE / Total Capitaln/a550%530%515%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Inb, National Association

Springfield, IL · Cert 3664 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Illinois National Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$2.7BAssets
$2.0BLoans
$2.4BDeposits
$243.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 43% of banks $1B-$10B in assets operating regionally (rank 99 of 174).
  • Widest gap: net interest margin trails 86% of banks $1B-$10B in assets operating regionally (rank 149 of 174).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.91%

Rank 133 of 174

Net Interest Margin

3.04%

Rank 149 of 174

Efficiency Ratio

63.82%

Rank 113 of 174

Equity / Assets

9.07%

Rank 134 of 174

Non-interest income vs. expense

$19.2M$63.2MINCOMEEXPENSE
Unfavorable gap of $44.0M · efficiency ratio beats 36% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.93%1.27%1.52%Beats 24%133 / 174
Return on Equity10.04%9.26%11.89%14.41%Beats 34%114 / 174
Net Interest Margin3.04%3.22%3.56%3.91%Beats 14%149 / 174
Efficiency Ratio63.82%51.59%59.21%67.02%Beats 36%113 / 174
Asset Quality
Nonperforming Loans / Loans1.10%0.29%0.60%1.18%Beats 26%129 / 174
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 39%107 / 174
Capital
Tier 1 Capital Ratio12.19%11.19%12.82%14.11%Beats 43%99 / 174
Total Risk-Based Capital Ratio13.28%11.81%13.70%15.33%Beats 43%99 / 174
Equity / Assets9.07%9.15%10.31%11.72%Beats 23%134 / 174
Liquidity & Funding
Loans / Deposits80.93%80.93%90.31%97.12%25th pctl131 / 174
Loans / Assets73.01%69.01%75.52%80.85%40th pctl105 / 174
Brokered Deposits / Depositsn/aNot reported for this institution