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Letter portraitLegal landscapeQuarterYTD

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