INB, N.A.
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Data as of · sourced from FFIEC call reports. How we update
INB, N.A. is an FDIC-insured commercial bank headquartered in Springfield, IL, established in 1905 (FDIC certificate 3664), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.68B, up 9.6% from Q2 2025, the 29th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3664
- Headquarters
- Springfield, IL
- Established
- 1905
- Total assets, Q2 2026
- $2.68B
- Assets vs Q2 2025
- +9.6%
- CET1 ratio, Q2 2026
- 12.19%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 071109338
- Holding company
- ILLINOIS NATIONAL BANCORP, INC.
- Asset rank in state
- 29th of 319 in Illinois
INB, N.A., based in Springfield, Illinois, reported $2.7 billion in assets at June 30, 2026, up 9.6% from a year earlier. It shrank its loan book 1.7% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds commercial real estate loans worth 3.5 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Loans and deposits moved in opposite directions: over the year loans fell 1.7% and deposits rose 10.0%. Its $368 million commercial and industrial book is improving, with 1.03% past due or on nonaccrual, down from 4.55% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.0% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
As of June 30, 2026, INB, N.A. reported a CET1 capital ratio of 12.19%, a return on assets of 1.22%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 8.97%. The figures come from its call report filed with the FFIEC.
INB, N.A. ranks as the 29th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.6% to $2.68B, loans fell 0.3% and deposits rose 6.1%. Non-owner-occupied commercial real estate loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.8%. Its 14 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Springfield 5 offices book 78% of its branch deposits. On its Q2 2026 call report, INB, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 322 E Capitol Ave, Springfield, IL 62701
- County
- Sangamon
- Metro Area
- Springfield, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Former names
- Illinois National Bank (1999-2019)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 334
- Domestic deposits
- $2.42B
- Allowance for credit losses
- $21.0M
- Net charge-offs (YTD)
- $959K
- Average total assets
- $2.63B
- Average total loans
- $1.97B
- Average interest-bearing deposits
- $2.09B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3664
- Fed RSSD
- 925037
- Website
- http://www.inb.com →
- Parent Holding Company
- ILLINOIS NATIONAL BANCORP, INC. (RSSD 1208054)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
INB, N.A.'s total assets moved between a low of $2.11B (Q3 2023) and a high of $2.68B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.68B total assets against $2.45B; $2.44B total liabilities against $2.22B.
$1.94B net loans and leases against $1.97B; $2.42B total deposits against $2.20B.
$102.5M securities against $113.5M; $573.8M cash and balances due against $293.6M.
$34.3M total interest income against $33.1M; $14.0M total interest expense against $15.0M.
$20.3M net interest income against $18.1M.
$5.1M total noninterest income against $4.9M; $16.0M total noninterest expense against $14.6M.
$1.3M provision for credit losses against $1.2M.
$8.0M net income against $7.1M.
1.22% return on assets against 1.17%; 3.22% net interest margin against 3.10%.
12.19% CET1 capital ratio against 11.48%; 9.44% tier 1 leverage ratio against 9.68%.
Inside the full INB, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
INB, N.A. rankings
Its closest position to the top of a national ranking is 469 of 4,196, for total assets; its furthest is 848 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.36% (Q3 2025) and its net interest margin ran from 2.74% (Q3 2024) to 3.24% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.19% | 1.22% | 1.10% | 8.97% | 3.22% |
| Q1 2026 | 12.21% | 1.19% | 0.72% | 6.22% | 3.24% |
| Q4 2025 | 12.11% | 1.03% | 0.87% | 6.60% | 3.11% |
| Q3 2025 | 11.90% | 1.36% | 1.10% | 8.42% | 3.12% |
| Q2 2025 | 11.48% | 1.17% | 0.84% | 6.70% | 3.10% |
| Q1 2025 | 11.36% | 1.12% | 0.45% | 3.68% | 2.96% |
| Q4 2024 | 11.15% | 1.17% | 0.39% | 3.26% | 2.96% |
| Q3 2024 | 10.94% | 0.80% | 0.43% | 3.61% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| INB, N.A. (main office) | Springfield , IL | 62701 | $1.32B |
| Montvale Branch | Springfield , IL | 62704 | $266.2M |
| West Wabash Branch | Springfield , IL | 62704 | $188.0M |
| Peoria Branch | Peoria , IL | 61614 | $150.9M |
| Tampa Branch | Tampa , FL | 33606 | $101.0M |
| North Dirksen Parkway Branch | Springfield , IL | 62702 | $65.2M |
| Pleasant Plains Branch | Pleasant Plains , IL | 62677 | $63.5M |
| Chatham Branch | Chatham , IL | 62629 | $57.0M |
| South Sixth Street Branch | Springfield , IL | 62703 | $55.4M |
| Riverton Community Bank Branch | Riverton , IL | 62561 | $49.2M |
| Champaign Branch | Champaign , IL | 61820 | $41.9M |
| Mount Pulaski Branch | Mount Pulaski , IL | 62548 | $28.1M |
| Fairmont Branch | Fairmount , IL | 61841 | $22.8M |
| East Washington Branch | Bloomington , IL | 61704 | $14.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 2008 | Structure Change | Acquired The First National Bank of Mt. Pulaski Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2004 | Structure Change | Acquired Riverton Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IL, rank 37 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,169 applications, 958 loans originated, $240.2M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.1M approved, $369K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about INB, N.A.
What are INB, N.A.'s total assets?
As of the Q2 2026 filing, INB, N.A. reported total assets of $2.68 billion in its FFIEC call report.
Where is INB, N.A. headquartered?
It is headquartered in Springfield, IL, United States.
When was INB, N.A. founded?
It was established in 1905, per the FDIC institution directory.
Is INB, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates INB, N.A.?
INB, N.A.'s primary federal regulator is the OCC.
What is INB, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does INB, N.A. operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is INB, N.A.'s Texas Ratio?
Its Texas Ratio is 8.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was INB, N.A. previously called?
The charter now named INB, N.A. has also operated as Illinois National Bank (1999-2019), per FDIC structure-change records.
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