INB, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 5.6% in Q2 2026 to -$4.8M, the biggest move on this page. INB, N.A. ranks 152nd of 198 Illinois banks on CET1 ratio, in the lower half at 12.19% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. INB, N.A. sits 1.29 points lower, at 12.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.19% |
| Tier 1 risk-based capital ratio | 12.19% |
| Total risk-based capital ratio | 13.28% |
| Tier 1 leverage ratio | 9.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $247.9M |
| Tier 1 capital | $247.9M |
| Total risk-based capital | $270.0M |
| Total equity capital | $243.3M |
| Risk-weighted assets | $2.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.07% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 9.27% |
| Internal capital growth rate | 0.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $103.1M |
| Retained earnings | $144.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.98% | 10.98% | 11.90% | 9.56% | $1.84B |
| Q4 2023 | 11.23% | 11.23% | 12.14% | 9.51% | $1.86B |
| Q1 2024 | 11.29% | 11.29% | 12.30% | 9.74% | $1.87B |
| Q2 2024 | 10.90% | 10.90% | 11.86% | 9.38% | $1.96B |
| Q3 2024 | 10.94% | 10.94% | 11.80% | 9.37% | $2.00B |
| Q4 2024 | 11.15% | 11.15% | 12.02% | 9.41% | $2.02B |
| Q1 2025 | 11.36% | 11.36% | 12.37% | 9.63% | $2.04B |
| Q2 2025 | 11.48% | 11.48% | 12.53% | 9.68% | $2.05B |
| Q3 2025 | 11.90% | 11.90% | 12.92% | 9.64% | $2.02B |
| Q4 2025 | 12.11% | 12.11% | 13.08% | 9.75% | $2.04B |
| Q1 2026 | 12.21% | 12.21% | 13.28% | 9.85% | $2.03B |
| Q2 2026 | 12.19% | 12.19% | 13.28% | 9.44% | $2.03B |
INB, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock INB, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full INB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3664) · FFIEC NIC profile (RSSD 925037)