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

Inb National Association

Springfield, Illinois · $2.68B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

1.10%
NPA / loans
11th of 12
-1.7%
Loans, year over year
11th of 12, largest first
48.0%
CRE / loans
10th of 12

Inb National Association is the fourth largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.68B in assets at 30 June 2026. Loans are 80.9% of deposits, 3rd of 12 against a median of 89.0%, and equity is 9.1% of assets, 8th of 12. Loans grew -1.7% in the year, 11th of 12, and deposits grew 10.0%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 1.10% of the book, 11th of 12 against a median of 0.37%; 0.37% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 48.0% of loans, 10th of 12 against a median of 32.1%, and 349% of capital, above the 300% screen, with construction at 42% against the 100% screen.

Return on assets is 1.18%, 10th of 12 against a median of 1.43%, on an efficiency ratio of 63.8%, 10th of 12. Five years ago it was 1.09%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 16.5% of loans).

Nonperforming loans, share of loansIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.37% LB Lakeside Bank 0.03% MB Marquette Bank 0.10% SB Schaumburg Bank & Trust Co. N.A. 0.11% SB State Bank of the Lakes N.A. 0.18% AC American Commercial Bank & Trust N.A. 0.29% CL Crystal Lake Bank & Trust Co. N.A. 0.34% BB Beverly Bank & Trust Co. N.A. 0.40% FB FCB Banks 0.76% PN Peoples National Bank N A 0.84% FB First Bank Chicago 1.09% IN Inb National Association 1.10% RB Republic Bank of Chicago 1.27%
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

Inb National Association is the 78th largest 7(a) lender into Illinois of 537, with $35M across 162 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 18 of its 26 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
Sangamon, IL$21M3rd of 618.3%+2.1 pts
Miami-Dade, FL$10M63rd of 2150.3%quiet FY2022
Saint Louis, MO$7M41st of 1780.5%+1.0 pts
Kankakee, IL$3M6th of 464.8%quiet FY2012
Marion, IN$2M83rd of 1720.1%quiet FY2017
Peoria, IL$2M25th of 641.1%quiet FY2017
Williamson, TX$2M112th of 1810.1%thin
Saint Charles, MO$1M55th of 1360.3%+0.0 pts
Mclean, IL$1M22nd of 631.0%+1.2 pts
Morgan, IL$1M9th of 193.2%quiet FY2016
Champaign, IL$1M34th of 690.7%quiet FY2021
Jersey, IL$1M2nd of 1711.3%quiet FY2021
Christian, IL$910K10th of 205.4%quiet FY2022
13 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
Wholesale trade22$16M27.9%0.06%209th of 1,651
Retail trade39$8M13.8%0.01%545th of 2,589
Professional & technical services29$8M13.0%0.02%337th of 1,955
Construction20$8M12.8%0.02%435th of 2,063
Manufacturing8$4M7.1%0.01%773rd of 2,246
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Inb National Association
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 IN Inb, National Association 0.2% $35M · 162 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
Inb National AssociationRankCohort median
Total CRE against capital, the 300% screen349%10th of 12267%
Construction against capital, the 100% screen42%7th of 1241%
Construction and land development, share of loans5.8%8th of 125.4%
Non-owner-occupied nonfarm nonresidential, share of loans27.1%11th of 1213.6%
Total CRE, the guidance definition, share of loans48.0%10th of 1232.1%
CRE growth over 36 months, the third prong-4.4%2nd 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
Inb National AssociationCohort median
20212026Change20212026Change
Loans$935M$1.96B+110%$1.23B$1.85B+50%
Deposits$1.40B$2.42B+73%$1.42B$2.24B+57%
NPA / loans0.80%1.10%+0.30 pts0.37%0.37%-0.00 pts
Efficiency70.6%63.8%-6.8 pts59.3%55.4%-3.9 pts
ROA1.09%1.18%+0.09 pts1.11%1.43%+0.33 pts

This read was prepared for Inb National Association'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 Inb National Association 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.inb.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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