The National Bank of Indianapolis
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Data as of · sourced from FFIEC call reports. How we update
The National Bank of Indianapolis is an FDIC-insured commercial bank headquartered in Indianapolis, IN, established in 1993 (FDIC certificate 33860), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.04B, up 5.5% from Q2 2025, the 14th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 11.42% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33860
- Headquarters
- Indianapolis, IN
- Established
- 1993
- Total assets, Q2 2026
- $3.04B
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 11.42%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 074006674
- Latest call report
- Q2 2026, FFIEC 051 · The National Bank of Indianapolis Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- NATIONAL BANK OF INDIANAPOLIS CORPORATION, THE
- Asset rank in state
- 14th of 87 in Indiana
The National Bank of Indianapolis, based in Indianapolis, Indiana, reported $3.0 billion in assets at June 30, 2026, up 5.5% from a year earlier. It holds about two-thirds of its deposits (60%) above the FDIC insurance limit, about double the median of 30.9% for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it returns 19.7% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.7%).
Net income for the quarter rose 17% from a year earlier, to $12 million. Over the same year, loans grew 16.1% and deposits grew 1.3%. Where it has less room is capital: it holds common equity equal to 11.42% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.50%).
As of June 30, 2026, The National Bank of Indianapolis reported a CET1 capital ratio of 11.42%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.24%. The figures come from its call report filed with the FFIEC.
The National Bank of Indianapolis ranks as the 14th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.9% to $3.04B, loans rose 2.5% and deposits fell 6.8%. Commercial and industrial loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 24.0%. The FDIC Summary of Deposits lists 13 offices for it, in 4 cities in IN; its Indianapolis 6 offices book 77% of its branch deposits. Judged on its Q2 2026 call report, The National Bank of Indianapolis meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 N Pennsylvania St, Indianapolis, IN 46204
- County
- Marion
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- 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
- December 8, 1993
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 312
- Domestic deposits
- $2.67B
- Allowance for credit losses
- $25.9M
- Net charge-offs (YTD)
- $283K
- Average total assets
- $3.08B
- Average total loans
- $2.12B
- Average interest-bearing deposits
- $2.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1993
- FDIC Cert
- 33860
- Fed RSSD
- 2132941
- SEC CIK
- 912382 → filed by NATIONAL BANK OF INDIANAPOLIS CORPORATION, THE
- Website
- www.nbofi.com →
- Parent Holding Company
- NATIONAL BANK OF INDIANAPOLIS CORPORATION, THE (RSSD 2149622)
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
The National Bank of Indianapolis's total assets moved between a low of $2.74B (Q3 2023) and a high of $3.13B (Q1 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
$3.04B total assets against $2.88B; $2.80B total liabilities against $2.67B.
$2.12B net loans and leases against $1.83B; $2.67B total deposits against $2.64B.
$523.5M securities against $645.9M; $229.7M cash and balances due against $253.8M.
$38.4M total interest income against $38.2M; $14.8M total interest expense against $15.9M.
$23.6M net interest income against $22.3M.
$9.0M total noninterest income against $8.0M; $17.9M total noninterest expense against $16.6M.
-$153K provision for credit losses against $987K.
$11.6M net income against $9.9M.
1.51% return on assets against 1.29%; 3.18% net interest margin against 3.04%.
11.42% CET1 capital ratio against 11.80%; 9.29% tier 1 leverage ratio against 8.65%.
Inside the full The National Bank of Indianapolis 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
The National Bank of Indianapolis rankings
Its closest position to the top of a national ranking is 35 of 980, for uninsured deposits; its furthest is 1,862 of 2,134, for CET1 ratio.
Metric pages for The National Bank of Indianapolis: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q4 2024) to 1.51% (Q2 2026) and its net interest margin ran from 2.92% (Q3 2024) to 3.24% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.42% | 1.51% | 0.15% | 1.24% | 3.18% |
| Q1 2026 | 11.36% | 1.22% | 0.17% | 1.34% | 3.12% |
| Q4 2025 | 11.54% | 1.34% | 0.18% | 1.40% | 3.09% |
| Q3 2025 | 11.67% | 1.27% | 0.20% | 1.60% | 3.24% |
| Q2 2025 | 11.80% | 1.29% | 0.23% | 1.82% | 3.04% |
| Q1 2025 | 11.77% | 1.16% | 0.27% | 2.13% | 2.99% |
| Q4 2024 | 11.72% | 1.08% | 0.25% | 2.13% | 2.92% |
| Q3 2024 | 13.12% | 1.09% | 0.05% | 0.38% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| The National Bank of Indianapolis | Indianapolis , IN | 46204 | $1.52B |
| Greenwood Branch | Greenwood , IN | 46142 | $219.8M |
| Aul Branch | Indianapolis , IN | 46282 | $172.1M |
| Ditch Road Branch | Indianapolis , IN | 46260 | $121.2M |
| Penn Street Branch | Indianapolis , IN | 46205 | $118.9M |
| Carmel Branch | Carmel , IN | 46032 | $97.3M |
| West CarmelZionsville Branch | Carmel , IN | 46032 | $93.8M |
| Castleton Branch | Indianapolis , IN | 46250 | $90.9M |
| Villages of West Clay Branch | Carmel , IN | 46032 | $76.6M |
| WestfieldCarmel Branch | Carmel , IN | 46033 | $61.8M |
| Fishers Branch | Fishers , IN | 46037 | $45.8M |
| Chamber of Commerce Branch | Indianapolis , IN | 46204 | $27.9M |
| Hazel Dell Banking Center Branch | Carmel , IN | 46033 | $22.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in IN, rank 22 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 564 applications, 495 loans originated, $190.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $327K approved, $327K 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 The National Bank of Indianapolis
What are The National Bank of Indianapolis's total assets?
As of the Q2 2026 filing, The National Bank of Indianapolis reported total assets of $3.04 billion in its FFIEC call report.
Where is The National Bank of Indianapolis headquartered?
It is headquartered in Indianapolis, IN, United States.
When was The National Bank of Indianapolis founded?
It was established in 1993, per the FDIC institution directory.
Is The National Bank of Indianapolis FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Bank of Indianapolis?
The National Bank of Indianapolis's primary federal regulator is the OCC.
What is The National Bank of Indianapolis's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.42% in its Q2 2026 call report, above regulatory requirements.
How many branches does The National Bank of Indianapolis operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Bank of Indianapolis's Texas Ratio?
Its Texas Ratio is 1.24% 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.
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