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

Hinsdale Bank & Trust Co. N.A.

Hinsdale, Illinois · $6.80B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

0.16%
NPA / loans
2nd of 12
4.0x
Coverage of noncurrent
2nd of 11
36.8%
Efficiency
3rd of 11

Hinsdale Bank & Trust Co. N.A. is the fifth largest of the 12 Illinois banks nearest its size between $3B and $10B, with $6.80B in assets at 30 June 2026. Loans are 90.0% of deposits, 7th of 12 against a median of 86.6%, and equity is 10.1% of assets, 5th of 11. Loans grew +16.0% in the year, 4th of 12, and deposits grew 20.0%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.16% of the book, 2nd of 12 against a median of 0.55%; 0.28% is 30 to 89 days past due, and the allowance covers them 4.0 times. Commercial real estate is 21.2% of loans, 5th of 12 against a median of 27.7%, and 164% of capital, below the 300% screen, with construction at 41% against the 100% screen.

Return on assets is 1.43%, 7th of 11 against a median of 1.48%, on an efficiency ratio of 36.8%, 3rd of 11. Five years ago it was 1.13%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansIL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.55% SB State Bank of India 0.00% HB Hinsdale Bank & Trust Co. N.A. 0.16% HB Heartland Bank & Trust Co. 0.19% NB Northbrook Bank & Trust Co. N.A. 0.27% LF Lake Forest Bank & Trust Co. N.A. 0.34% WB Wheaton Bank & Trust N.A. 0.53% FM First Mid Bank & Trust N.A. 0.58% FA First American Bank 0.60% MC Morton Community Bank 0.81% OS Old Second National Bank 1.08% MS Midland States Bank 1.43% BB Barrington Bank & Trust Co. N.A. 4.75%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.2% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% WB Wheaton Bank & Trust N.A. +10.5% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% SB State Bank of India +7.2% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Hinsdale Bank & Trust Co. N.A. is the 27th largest 7(a) lender into Illinois of 537, with $113M across 150 loans, 0.8% of everything approved in the state (Byline Bank leads with $2.39B). 11 of its 18 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$48M31st of 2820.7%-0.2 pts
Dupage, IL$36M11th of 1881.8%-2.0 pts
Will, IL$17M11th of 1452.0%-0.9 pts
Mchenry, IL$5M22nd of 1081.1%quiet FY2021
Lake, IN$5M30th of 971.1%quiet FY2017
Macomb, MI$5M42nd of 1260.4%quiet FY2021
Lake, IL$3M59th of 1600.3%quiet FY2019
Franklin, OH$3M71st of 1660.1%quiet FY2014
Maricopa, AZ$2M173rd of 3030.0%quiet FY2021
Kankakee, IL$2M10th of 463.0%quiet FY2022
La Salle, IL$1M13th of 372.3%quiet FY2021
Grundy, IL$890K18th of 361.5%quiet FY2020
Natrona, WY$500K28th of 450.7%thin
5 smaller markets not shown.
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 services30$32M24.6%0.04%295th of 2,596
Retail trade21$19M14.8%0.03%323rd of 2,589
Manufacturing18$17M13.2%0.04%329th of 2,246
Health care & social assistance19$13M10.4%0.03%327th of 2,172
Other services20$13M9.8%0.04%319th of 2,248
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Hinsdale 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 HB Hinsdale Bank & Trust Company, Na… 0.7% $113M · 150 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Hinsdale BankRankCohort median
Total CRE against capital, the 300% screen164%5th of 11178%
Construction against capital, the 100% screen41%8th of 1134%
Construction and land development, share of loans5.2%8th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans10.4%4th of 1114.3%
Total CRE, the guidance definition, share of loans21.2%5th of 1227.7%
CRE growth over 36 months, the third prong+42.6%6th of 11+42.6%

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
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Wheaton Bank & Trust N.A.$4.79B1.6%32.6%0.53%0.17%0.5%78.0%8.8%
State Bank of India$4.32Bno recordno record0.00%no recordno record124.3%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hinsdale BankCohort median
20212026Change20212026Change
Loans$2.65B$5.02B+89%$2.58B$4.36B+69%
Deposits$3.32B$5.57B+68%$3.52B$5.51B+57%
NPA / loans0.41%0.16%-0.24 pts0.52%0.55%+0.04 pts
Efficiency57.3%36.8%-20.5 pts57.3%52.3%-5.0 pts
ROA1.13%1.43%+0.30 pts1.38%1.48%+0.11 pts

This read was prepared for Hinsdale 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 Hinsdale 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 $3B to $10B
Institution www.hinsdalebank.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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