Inb, National Association

Springfield, IL · Cert 3664 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 44% of banks $1B-$10B in assets operating regionally (rank 100 of 178).
Widest gap: net interest margin trails 85% of banks $1B-$10B in assets operating regionally (rank 152 of 178).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.91%

Rank 134 of 178

Net Interest Margin

3.04%

Rank 152 of 178

Efficiency Ratio

63.82%

Rank 114 of 178

Equity / Assets

9.07%

Rank 137 of 178

Unfavorable gap of $44.0M · efficiency ratio beats 37% of banks $1B-$10B in assets operating regionally

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.91%	0.91%	1.25%	1.53%	Beats 25%	134 / 178	n/a
Return on Equity	10.04%	9.18%	11.89%	14.44%	Beats 35%	115 / 178	n/a
Net Interest Margin	3.04%	3.22%	3.56%	3.91%	Beats 15%	152 / 178	n/a
Efficiency Ratio	63.82%	52.04%	58.90%	67.10%	Beats 37%	114 / 178	n/a
Asset Quality
Nonperforming Loans / Loans	1.10%	0.29%	0.60%	1.26%	Beats 28%	130 / 178	n/a
Net Charge-Offs / Loans	0.06%	0.01%	0.03%	0.10%	Beats 40%	108 / 178	n/a
Capital
Tier 1 Capital Ratio	12.19%	11.19%	12.72%	14.14%	Beats 44%	100 / 178	n/a
Total Risk-Based Capital Ratio	13.28%	11.91%	13.63%	15.33%	Beats 44%	99 / 178	n/a
Equity / Assets	9.07%	9.12%	10.35%	11.80%	Beats 23%	137 / 178	n/a
Liquidity & Funding
Loans / Deposits	80.93%	80.94%	89.92%	97.12%	24th pctl	135 / 178	n/a
Loans / Assets	73.01%	69.25%	75.52%	80.96%	39th pctl	108 / 178	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution