INB, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 188.8% higher than in Q1 2026, at $8.0M. INB, N.A. ranks 119th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.93% (Q2 2026). INB, N.A. reported 80.93% on loan-to-deposit ratio for Q2 2026, 7.27 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.96B |
| Net loans and leases | $1.94B |
| Loans held for sale | $8.0M |
| Loans to total assets | 73.01% |
| Loan-to-deposit ratio | 80.93% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.67% |
| Multifamily (5+ residential) | 15.12% |
| Commercial and industrial | 18.80% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 350.13% |
| Construction concentration (Tier 1 capital + allowance) | 42.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $29.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.76B | $1.91B | 41.29% | 17.31% | 0.08% |
| Q4 2023 | $1.78B | $1.96B | 42.69% | 15.87% | 0.08% |
| Q1 2024 | $1.81B | $1.94B | 42.65% | 16.49% | 0.09% |
| Q2 2024 | $1.90B | $2.04B | 41.49% | 18.29% | 0.10% |
| Q3 2024 | $1.94B | $2.10B | 41.36% | 17.69% | 0.09% |
| Q4 2024 | $1.96B | $2.18B | 42.16% | 17.29% | 0.08% |
| Q1 2025 | $1.98B | $2.15B | 42.67% | 17.54% | 0.08% |
| Q2 2025 | $1.99B | $2.20B | 42.81% | 16.92% | 0.09% |
| Q3 2025 | $1.96B | $2.24B | 44.57% | 16.01% | 0.10% |
| Q4 2025 | $1.98B | $2.26B | 44.81% | 17.37% | 0.09% |
| Q1 2026 | $1.97B | $2.28B | 43.09% | 19.11% | 0.10% |
| Q2 2026 | $1.96B | $2.42B | 43.67% | 18.80% | 0.13% |
INB, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock INB, N.A., freeSource: Call Report Schedule RC-C, 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)