Springfield, IL · Cert 3664 · Illinois National Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 21.0% share · #1 of 26 inst. · $2.1B of $9.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.09% | 0.83% | 0.93% | 0.97% | +4 bps | |
| Return on Equity | 9.92% | 11.56% | 8.70% | 9.72% | 10.41% | +48 bps | |
| Net Interest Margin | 2.97% | 3.00% | 3.00% | 3.12% | 3.09% | +12 bps | |
| Efficiency Ratio | 63.57% | 61.55% | 70.05% | 64.59% | 63.08% | -49 bps | |
| Non-Interest Burden | 1.60% | 1.56% | 1.90% | 1.76% | 1.66% | +7 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 / Loans | 0.84% | 1.10% | 0.87% | 0.72% | 1.10% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.23% | 0.02% | 0.17% | +15 bps | |
| Allowance / Loans | 1.04% | 1.05% | 1.00% | 1.05% | 1.07% | +3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.2x | 1.4x | 1.0x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.68% | 9.64% | 9.75% | 9.85% | 9.44% | -23 bps | |
| Total Risk-Based Capital | 12.53% | 12.92% | 13.08% | 13.28% | 13.28% | +75 bps | |
| Equity / Assets | 9.36% | 9.44% | 9.60% | 9.56% | 9.07% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.54% | 87.48% | 87.92% | 86.11% | 80.93% | -961 bps | |
| Liquid Assets / Assets | 10.74% | 14.22% | 13.61% | 15.14% | 20.46% | +971 bps | |
| CRE / Total Capital | n/a | 550% | 530% | 515% | n/a | n/a | |