INB, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 5.79 percentage points higher than in Q1 2026, at 37.57%. INB, N.A. ranks 157th of 323 Illinois banks on return on assets, in the upper half at 1.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. INB, N.A. sits 0.06 points lower, at 1.22% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.19% |
| Tier 1 risk-based capital ratio | 12.19% |
| Total risk-based capital ratio | 13.28% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 9.07% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.28% |
| Non-performing assets ratio | 2.48% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 25.17% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 32.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 13.18% |
| Net interest margin | 3.22% |
| Efficiency ratio | 62.78% |
| Yield on earning assets | 5.43% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.93% |
| Core deposits to total deposits | 60.98% |
| Brokered deposits to total deposits | 37.57% |
| Deposits to assets | 90.21% |
| Securities to assets | 3.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.98% | 10.98% | 11.90% | 9.56% | 0.86% |
| Q4 2023 | 11.23% | 11.23% | 12.14% | 9.51% | 1.15% |
| Q1 2024 | 11.29% | 11.29% | 12.30% | 9.74% | 0.70% |
| Q2 2024 | 10.90% | 10.90% | 11.86% | 9.38% | 0.62% |
| Q3 2024 | 10.94% | 10.94% | 11.80% | 9.37% | 0.80% |
| Q4 2024 | 11.15% | 11.15% | 12.02% | 9.41% | 1.17% |
| Q1 2025 | 11.36% | 11.36% | 12.37% | 9.63% | 1.12% |
| Q2 2025 | 11.48% | 11.48% | 12.53% | 9.68% | 1.17% |
| Q3 2025 | 11.90% | 11.90% | 12.92% | 9.64% | 1.36% |
| Q4 2025 | 12.11% | 12.11% | 13.08% | 9.75% | 1.03% |
| Q1 2026 | 12.21% | 12.21% | 13.28% | 9.85% | 1.19% |
| Q2 2026 | 12.19% | 12.19% | 13.28% | 9.44% | 1.22% |
INB, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock INB, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)