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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=176). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

37

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 $0.0BQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $2.1B12%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.67%0.89%0.91%0.97%0.93%0.93%0.95%+4 bps
Return on Equity6.32%7.38%9.69%9.82%10.41%9.99%9.72%10.07%+25 bps
Net Interest Margin2.50%2.54%2.84%2.89%2.88%2.88%3.12%3.04%+15 bps
Efficiency Ratio69.46%67.83%65.84%64.67%63.59%65.24%64.59%63.82%-85 bps
Non-Interest Burden1.53%1.50%1.62%1.60%1.56%1.63%1.76%1.67%+8 bps
Growth
Asset Growth (YoY)10.30%11.26%11.03%8.37%7.02%4.35%6.27%9.63%+126 bps
Loan Growth (YoY)10.33%9.99%9.27%4.78%0.86%1.25%-0.76%-1.69%-648 bps
Deposit Growth (YoY)9.97%11.27%10.86%7.96%6.61%3.67%6.05%9.97%+201 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.39%0.45%0.84%1.10%0.87%0.72%1.10%+26 bps
Net Charge-Offs / Loans0.38%0.29%-0.07%-0.02%0.02%0.07%0.02%0.10%+12 bps
Allowance / Loans0.93%0.95%1.00%1.04%1.05%1.00%1.05%1.07%+3 bps
Allowance Coverage of NPLs2.2x2.4x2.2x1.2x1.0x1.2x1.4x1.0x-0.3x
Capital
Tier 1 Leverage Ratio9.37%9.41%9.63%9.68%9.64%9.75%9.85%9.44%-23 bps
Total Risk-Based Capital11.80%12.02%12.37%12.53%12.92%13.08%13.28%13.28%+75 bps
Equity / Assets9.06%8.99%9.39%9.36%9.44%9.60%9.56%9.07%-29 bps
Liquidity & Funding
Loans / Deposits92.46%90.02%92.03%90.54%87.48%87.92%86.11%80.93%-961 bps
Liquid Assets / Assets7.40%10.26%8.56%10.74%14.22%13.61%15.14%20.46%+971 bps
CRE / Total Capitaln/an/an/an/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=176) · Illinois National Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

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

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 45% of banks $1B-$10B in assets operating regionally (rank 97 of 176).
  • Widest gap: net interest margin trails 87% of banks $1B-$10B in assets operating regionally (rank 154 of 176).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.91%

Rank 135 of 176

Net Interest Margin

3.04%

Rank 154 of 176

Efficiency Ratio

63.82%

Rank 111 of 176

Equity / Assets

9.07%

Rank 137 of 176

Non-interest income vs. expense

$19.2M$63.2MINCOMEEXPENSE
Unfavorable gap of $44.0M · efficiency ratio beats 37% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%0.93%1.26%1.54%Beats 23%135 / 176n/a
Return on Equity10.04%9.26%11.89%14.46%Beats 35%115 / 176n/a
Net Interest Margin3.04%3.25%3.59%3.93%Beats 13%154 / 176n/a
Efficiency Ratio63.82%52.79%59.55%67.66%Beats 37%111 / 176n/a
Asset Quality
Nonperforming Loans / Loans1.10%0.30%0.64%1.32%Beats 29%126 / 176n/a
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 40%106 / 176n/a
Capital
Tier 1 Capital Ratio12.19%11.15%12.72%14.15%Beats 44%98 / 176n/a
Total Risk-Based Capital Ratio13.28%11.81%13.63%15.33%Beats 45%97 / 176n/a
Equity / Assets9.07%9.16%10.35%11.80%Beats 22%137 / 176n/a
Liquidity & Funding
Loans / Deposits80.93%80.94%89.73%97.21%24th pctl133 / 176n/a
Loans / Assets73.01%69.25%75.12%80.82%40th pctl106 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution