Inland Bank and Trust

Inland Bank and Trust is an Illinois-based community bank (founded 1977) operating within the Byline Bank ecosystem, serving commercial enterprises, small businesses, consumers, and high-net-worth clients across the Chicago metropolitan area through deposit products, commercial and SBA lending, treasury management, and wealth advisory services.

Company typePrivate
Founded1977
HeadquartersOak Brook, United States
Headcount251–500
GTM typeB2B and B2C
OfferingServices

What Inland Bank and Trust does

Inland Bank and Trust is a community banking franchise operating in Oak Brook, Illinois, founded in 1977 and employing 251-500 staff, providing personal, business, and commercial financial services. The company is part of the broader Byline Bank ecosystem, which operates as a subsidiary of Byline Bancorp (NASDAQ: BYLN), a publicly-traded bank holding company headquartered in Chicago. Through this affiliation, the entity participates in a full-service community bank platform spanning four core business lines: Commercial Banking for enterprises with $10M+ annual revenue, Business Banking for SMBs up to $10M revenue, Personal Banking for individual consumers, and Wealth Management for high-net-worth clients.

The core product portfolio covers deposit products (checking, savings, money market, CDs), lending solutions (commercial loans, commercial real estate financing, asset-based lending, equipment financing, premium finance lending, SBA 7(a) and 504 loans, mortgages, HELOCs, and personal installment loans), treasury and cash management services, and wealth management advisory services including financial planning, asset management, trust services, and 401K/retirement plans. Digital delivery is supported through online and mobile banking platforms with iOS/Android apps and Zelle integration, complemented by a physical distribution network of 30+ branches across the Chicago metropolitan area. The franchise has been recognized as Illinois's top SBA 7(a) lender for 15 consecutive years with a national SBA ranking by volume for FY2025.

The business model generates revenue primarily through net interest income on the lending portfolio (commercial, business, SBA, mortgage, consumer) supplemented by fee income from treasury management, merchant services, and wealth management advisory. Distribution operates through a hybrid channel mix: dedicated commercial bankers and wealth advisors for higher-value segments, branch-based relationship banking for SMBs and consumers, and self-service digital banking for routine transactions. Marketing emphasizes community engagement, including CRA programs and the Chicago Blackhawks 2025-2026 NHL season sponsorship coinciding with the team's 100th anniversary, alongside rate-competitive promotional deposit products such as the 4.05% APY 8-month CD and 3.15% APY Advantage Money Market Account.

Inland Bank and Trust firmographics

Firmographics

Name: Inland Bank and Trust
Legal name: Byline Bank
Website: https://inlandbank.com
Company type: Private
Founded year: 1977
Operating status: Operating
Headcount range: 251–500 employees
Short description: Inland Bank and Trust is an Illinois-based community bank (founded 1977) operating within the Byline Bank ecosystem, serving commercial enterprises, small businesses, consumers, and high-net-worth clients across the Chicago metropolitan area through deposit products, commercial and SBA lending, treasury management, and wealth advisory services.
Ownership category
akta.pro rank

Inland Bank and Trust industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)
SIC: National Commercial Banks (6021), State Commercial Banks (6022)
akta.pro primary industry: SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
akta.pro secondary industries: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Corporate & Institutional Trust Services (FSAAANAB)

Keywords

Community banking
Commercial lending
Small business banking
SBA loans
Treasury management

Where Inland Bank and Trust is headquartered

Location

Headquarters

HQ city: Oak Brook
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Inland Bank and Trust business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Commercial Lending: Customized financing solutions for enterprises with $10M+ annual revenue, including commercial loans, commercial real estate financing, asset-based lending, equipment financing, and premium finance lending.
Business Banking: Deposit products and lending for businesses with revenue up to $10M, including checking accounts, savings accounts, money market accounts, CDs, and business loans.
Personal Banking: Checking, savings, CDs, money market accounts, credit cards, home equity loans, mortgages, and personal installment loans for individual consumers.
Wealth Management: Financial planning, asset management, trust services, and 401K/retirement plans offered through wealth advisors.
SBA Lending: SBA 7(a) and SBA 504 loans, with Byline Bank being Illinois's top SBA 7(a) lender for 15 consecutive years.
Treasury & Cash Management: Online and mobile banking, fraud and risk management, collections and receivables, payables processing, merchant services, and remote deposit for commercial clients.

Pricing tiers

Model	Billing	Price
Subscription	Quarterly	8-Month Promotional CD
Subscription	Monthly	Advantage Money Market Account
Transaction based/ take rate	Monthly	Business Checking Accounts
Other	Pay-as-you-go	Business Loans

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Inland Bank and Trust product offering

Product offering

Core offering

Inland Bank and Trust, operating as a subsidiary of Byline Bancorp, delivers community-focused banking services to consumers, small businesses, mid-market companies, and municipalities. It provides deposit accounts (checking, savings, money market, CDs), commercial and SBA lending, treasury management, custom business credit cards, mortgages, and digital banking channels. The bank differentiates itself through relationship-based banking supported by technology such as online/mobile banking, card management, and a surcharge-free ATM network.

Product overview

Byline Bank operates as a multi-segment community bank offering a unified platform of banking services across four distinct business lines: Commercial Banking (for enterprises with $10M+ annual revenue), Business Banking (for businesses with revenue up to $10M), Personal Banking (for individual consumers), and Wealth Management (for high-net-worth individuals and families). The core product portfolio spans deposit products (checking, savings, money market accounts, CDs), lending solutions (commercial loans, real estate financing, SBA loans, personal loans, mortgages, HELOCs), treasury and cash management services, and wealth management advisory services. Digital banking platforms (online and mobile banking) serve as delivery channels across all segments, while SBA lending represents a specialized offering with the bank ranked as Illinois's top SBA 7(a) lender for 15 consecutive years.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Accounts

Companies that use Inland Bank and Trust

Customer profile

Segments6 records

Ideal customer profiles4 records

Inland Bank and Trust technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Inland Bank and Trust partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Chicago BlackhawksflagshipGTM or Marketing Partner · 1 January 2025Byline Bank announced sponsorship of the Chicago Blackhawks for the 2025-2026 NHL season, partnering with the iconic team to mark its 100th anniversary and reaffirm its commitment to the Chicagoland community.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Inland Bank and Trust competitors and assessment

Company assessment

Direct peers

Wintrust Financial Corporation: Chicago-based commercial and community banking holding company operating over 200 branches across the Midwest. Direct peer: same geography, same multi-segment model (commercial, business, personal, wealth), and similar SBA and CRE lending focus.
Old Second Bancorp: Illinois-chartered community bank headquartered in Aurora with branches across the Chicago metro. Direct peer: comparable size, overlapping Chicago footprint, commercial and consumer banking focus, and similar CRE and SMB lending mix.
First Busey Corporation: Illinois-headquartered bank holding company with branches in Illinois, Indiana, Florida, and Missouri. Comparable peer: similar SBA, CRE, and wealth management emphasis, and similar customer segment targeting of SMBs and middle-market commercial clients.
First Midwest Bancorp (now Old Second via merger): Chicago-based commercial banking franchise serving the Midwest. Highly comparable: nearly identical Chicago metro branch network, commercial and treasury management product set, and SMB/middle-market customer base.
Associated Banc-Corp: Midwest regional bank holding company with commercial, business, and wealth management banking across Illinois, Wisconsin, and Minnesota. Direct peer: comparable business banking, commercial lending, and wealth management product set, and overlapping Chicago presence.
ServisFirst Bancshares: Bank holding company with commercial banking focus across the Southeast and Texas. Comparable peer: similar commercial banking target (enterprises with $10M+ revenue), asset-based lending, and CRE exposure, but operates in a different geography.
Republic First Bancorp: Commercial and consumer bank serving the Northeast with a focus on small business and SBA lending. Comparable peer: similar small business / SBA emphasis and community banking model.
Live Oak Bancshares: Digital-first, SBA-focused bank holding company. Comparable peer: similarly anchored on SBA lending, with a strong focus on serving small businesses through technology-enabled origination.

Regional players

North Shore Trust and Savings: Chicago North Shore community bank offering personal, business, and trust services. Regional peer: serves an adjacent Chicago submarket with a similar community-banking and trust-services proposition.

Broad incumbents

Truist Financial Corporation: Top-10 US commercial bank with a large Chicago metro presence offering commercial, business, wealth, and SBA lending. Broad incumbent: overlaps with Byline across most product lines but operates nationally and serves a far wider customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Inland Bank and Trust financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Inland Bank and Trust leadership team

Management profile

Number of profiles

Profiles1 record

Inland Bank and Trust funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Inland Bank and Trust M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Inland Bank and Trust

What does Inland Bank and Trust do?

Is Inland Bank and Trust a public or private company?

Inland Bank and Trust is a private company. It is classified as corporate owned and is currently operating.

When was Inland Bank and Trust founded?

Inland Bank and Trust was founded in 1977. It employs 251 to 500 people.

Where is Inland Bank and Trust based?

Inland Bank and Trust is headquartered in Oak Brook, United States, in the North America region.

How does Inland Bank and Trust make money?

Six revenue lines are on record. Commercial Lending is the primary driver. The others are business Banking, personal Banking, wealth Management, SBA Lending and treasury & Cash Management.

Who are Inland Bank and Trust's main competitors?

Direct peers on record are Wintrust Financial Corporation, Old Second Bancorp, First Busey Corporation, First Midwest Bancorp (now Old Second via merger), Associated Banc-Corp, ServisFirst Bancshares, Republic First Bancorp and Live Oak Bancshares. North Shore Trust and Savings is listed as a regional player. Truist Financial Corporation is listed as a broad incumbent.

Does Inland Bank and Trust have an API?

No public API is recorded for Inland Bank and Trust.

What industry is Inland Bank and Trust in?

Inland Bank and Trust's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6021.