INB, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks INB, N.A. of Springfield, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.44% | -0.22% | 45th below |
| ROAE | 13.18% | 12.50% | +0.68% | 57th above |
| Net Interest Margin | 3.22% | 3.84% | -0.62% | 23rd bottom |
| Efficiency Ratio | 62.78% | 58.87% | +3.91% | 37th below |
| PPNR / Avg Assets | 1.42% | 1.78% | -0.36% | 32nd below |
| Yield on Earning Assets | 5.43% | 5.71% | -0.28% | 43rd below |
| Cost of Funds | 2.33% | 2.03% | +0.30% | 28th below |
| Net Interest Spread | 2.68% | 3.18% | -0.50% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.28% | 0.96% | +2.32% | 4th bottom |
| NPA / Total Assets | 2.48% | 0.75% | +1.73% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.31% | -0.14% | 21st bottom |
| ACL / Total Loans | 1.07% | 1.25% | -0.18% | 39th below |
| ACL / NPLs (Coverage) | 32.61% | 699.58% | -666.97% | 3rd bottom |
| Texas Ratio | 25.17% | 7.14% | +18.03% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 212.51% | 815.33% | -602.82% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.19% | 17.41% | -5.22% | 28th below |
| Tier 1 Ratio | 12.19% | 17.45% | -5.26% | 28th below |
| Total Capital Ratio | 13.28% | 18.51% | -5.23% | 28th below |
| Leverage Ratio | 9.44% | 11.60% | -2.16% | 22nd bottom |
| Equity / Assets | 9.07% | 11.33% | -2.26% | 22nd bottom |
| TCE / Tangible Assets | 9.06% | 10.65% | -1.59% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.93% | 86.36% | -5.43% | 68th above |
| Core Deposit Ratio | 60.98% | 85.58% | -24.60% | 4th bottom |
| Uninsured Deposit Ratio | 18.23% | 32.73% | -14.50% | 87th top |
| Wholesale Funding Ratio | 0.06% | 5.46% | -5.40% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.63% | 10.46% | -0.83% | 75th top |
| Loan Growth (Y/Y) | -1.69% | 8.00% | -9.69% | 11th bottom |
| Deposit Growth (Y/Y) | 9.97% | 7.98% | +1.99% | 75th top |
See INB, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock INB, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full INB, N.A. profile, how to read a UBPR, or how this data updates.