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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Beverly Bank & Trust Co. N.A.

Chicago, Illinois · $2.69B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

9.9%
Equity / assets
4th of 12
24.5%
CRE / loans
4th of 12
1.63%
ROA
4th of 12

Beverly Bank & Trust Co. N.A. is the third largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.69B in assets at 30 June 2026. Loans are 91.0% of deposits, 8th of 12 against a median of 89.0%, and equity is 9.9% of assets, 4th of 12. Loans grew +0.4% in the year, 9th of 12, and deposits grew 4.0%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.40% of the book, 7th of 12 against a median of 0.37%; 0.86% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.29% of loans, the highest in the cohort. Commercial real estate is 24.5% of loans, 4th of 12 against a median of 32.1%, and 186% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 1.63%, 4th of 12 against a median of 1.43%, on an efficiency ratio of 58.0%, 7th of 12. Five years ago it was 1.32%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 32.1% SB State Bank of the Lakes N.A. 17.1% SB Schaumburg Bank & Trust Co. N.A. 20.9% CL Crystal Lake Bank & Trust Co. N.A. 24.0% BB Beverly Bank & Trust Co. N.A. 24.5% PN Peoples National Bank N A 29.6% AC American Commercial Bank & Trust N.A. 29.9% FB FCB Banks 34.2% FB First Bank Chicago 40.6% RB Republic Bank of Chicago 46.1% IN Inb National Association 48.0% LB Lakeside Bank 72.5% MB Marquette Bank 77.4%
Loans, year over yearIL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% SB State Bank of the Lakes N.A. +14.2% AC American Commercial Bank & Trust N.A. +13.1% CL Crystal Lake Bank & Trust Co. N.A. +13.1% FB First Bank Chicago +11.5% PN Peoples National Bank N A +8.6% LB Lakeside Bank +6.9% FB FCB Banks +5.6% SB Schaumburg Bank & Trust Co. N.A. +2.2% BB Beverly Bank & Trust Co. N.A. +0.4% RB Republic Bank of Chicago -0.5% IN Inb National Association -1.7% MB Marquette Bank -1.8%

SBA 7(a), FY2008 to FY2026

Beverly Bank & Trust Co. N.A. is the 94th largest 7(a) lender into Illinois of 537, with $27M across 60 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 3 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$24M50th of 2820.4%-0.0 pts
Will, IL$3M48th of 1450.4%quiet FY2020
Lake, IN$480K70th of 970.1%quiet FY2013
Dupage, IL$400K152nd of 1880.0%quiet FY2022
Kane, IL$200K129th of 1410.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services12$8M27.8%0.01%662nd of 2,596
Construction8$5M17.1%0.01%595th of 2,063
Retail trade8$3M12.4%0.01%887th of 2,589
Real estate & leasing2$3M10.0%0.02%474th of 1,452
Professional & technical services5$2M5.9%0.01%803rd of 1,955
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Beverly Bank
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans BB Beverly Bank & Trust Company, Nat… 0.2% $27M · 60 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Beverly BankRankCohort median
Total CRE against capital, the 300% screen186%4th of 12267%
Construction against capital, the 100% screen36%5th of 1241%
Construction and land development, share of loans4.8%5th of 125.4%
Non-owner-occupied nonfarm nonresidential, share of loans13.5%6th of 1213.6%
Total CRE, the guidance definition, share of loans24.5%4th of 1232.1%
CRE growth over 36 months, the third prong-2.0%4th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lakeside Bank$2.85B1.8%52.8%0.03%-0.02%1.2%94.6%10.7%
State Bank of the Lakes N.A.$2.81B1.4%37.2%0.18%0.07%0.5%87.7%10.1%
Beverly Bank & Trust Co. N.A.$2.69B1.6%58.0%0.40%0.29%0.7%91.0%9.9%
Inb National Association$2.68B1.2%63.8%1.10%0.10%1.1%80.9%9.1%
FCB Banks$2.64B1.8%51.0%0.76%0.01%1.1%90.3%8.1%
Republic Bank of Chicago$2.61B1.3%61.5%1.27%0.02%1.2%74.1%12.3%
Schaumburg Bank & Trust Co. N.A.$2.56B1.7%34.5%0.11%0.04%0.5%84.3%9.3%
Crystal Lake Bank & Trust Co. N.A.$2.26B1.5%34.0%0.34%0.13%0.8%94.0%8.9%
First Bank Chicago$2.23B0.3%80.2%1.09%0.14%0.8%85.7%8.9%
Marquette Bank$2.09B0.7%74.2%0.10%0.04%1.0%80.6%9.1%
Peoples National Bank N A$2.08B1.5%62.1%0.84%0.23%1.2%99.8%8.6%
American Commercial Bank & Trust N.A.$2.07B1.3%50.9%0.29%0.02%1.5%95.2%9.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Beverly BankCohort median
20212026Change20212026Change
Loans$1.42B$2.07B+45%$1.23B$1.85B+50%
Deposits$1.53B$2.27B+49%$1.42B$2.24B+57%
NPA / loans0.10%0.40%+0.30 pts0.37%0.37%-0.00 pts
Efficiency61.3%58.0%-3.3 pts59.3%55.4%-3.9 pts
ROA1.32%1.63%+0.32 pts1.11%1.43%+0.33 pts

This read was prepared for Beverly Bank & Trust Co. N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Beverly Bank & Trust Co. N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution www.thebeverlybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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