INB, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
INB, N.A. is a community bank chartered in 1905, based in Springfield, IL, in the years before the Federal Reserve System's founding. Total assets stand at $2.7B. The bank posts a strong 1.22% ROA and 13.18% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 12.19% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.28% NPLs and a 25.17% Texas Ratio above the 100% historical failure threshold. Its footprint covers 14 branches concentrated in Illinois.
As of June 30, 2026, INB, N.A. reported a CET1 capital ratio of 12.19%, a return on assets of 1.22%, a nonperforming-loan ratio of 3.28%, a Texas ratio of 25.17%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 322 E Capitol Ave, Springfield, IL 62701
- County
- Sangamon
- Metro Area
- Springfield, IL
- 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
- January 1, 1905
- Former names
- Illinois National Bank (1999-2019)
- Offices
- 14 domestic
- Employees (FTE)
- 334
- Domestic deposits
- $2.42B
- Allowance for credit losses
- $21.0M
- Net charge-offs (YTD)
- $959K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3664
- Fed RSSD
- 925037
- Website
- http://www.inb.com →
- Parent Holding Company
- ILLINOIS NATIONAL BANCORP, INC. (RSSD 1208054)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full INB, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock INB, N.A., 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
INB, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for INB, N.A.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.19% | 1.22% | 3.28% | 25.17% | 3.22% |
| Q1 2026 | 12.21% | 1.19% | 2.91% | 22.54% | 3.24% |
| Q4 2025 | 12.11% | 1.03% | 3.05% | 23.17% | 3.11% |
| Q3 2025 | 11.90% | 1.36% | 3.65% | 27.94% | 3.12% |
| Q2 2025 | 11.48% | 1.17% | 3.27% | 26.67% | 3.10% |
| Q1 2025 | 11.36% | 1.12% | 2.92% | 24.18% | 2.96% |
| Q4 2024 | 11.15% | 1.17% | 1.33% | 11.10% | 2.96% |
| Q3 2024 | 10.94% | 0.80% | 0.43% | 3.61% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| INB, N.A. (main office) | Springfield , IL | 62701 | $1.32B |
| Montvale Branch | Springfield , IL | 62704 | $266.2M |
| West Wabash Branch | Springfield , IL | 62704 | $188.0M |
| Peoria Branch | Peoria , IL | 61614 | $150.9M |
| Tampa Branch | Tampa , FL | 33606 | $101.0M |
| North Dirksen Parkway Branch | Springfield , IL | 62702 | $65.2M |
| Pleasant Plains Branch | Pleasant Plains , IL | 62677 | $63.5M |
| Chatham Branch | Chatham , IL | 62629 | $57.0M |
| South Sixth Street Branch | Springfield , IL | 62703 | $55.4M |
| Riverton Community Bank Branch | Riverton , IL | 62561 | $49.2M |
| Champaign Branch | Champaign , IL | 61820 | $41.9M |
| Mount Pulaski Branch | Mount Pulaski , IL | 62548 | $28.1M |
| Fairmont Branch | Fairmount , IL | 61841 | $22.8M |
| East Washington Branch | Bloomington , IL | 61704 | $14.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 2008 | Structure Change | Acquired The First National Bank of Mt. Pulaski Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2004 | Structure Change | Acquired Riverton Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for INB, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 37 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,169 applications, 958 loans originated, $240.2M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows INB, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare INB, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about INB, N.A.
What are INB, N.A.'s total assets?
As of the Q2 2026 filing, INB, N.A. reported total assets of $2.68 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is INB, N.A. headquartered?
INB, N.A. is headquartered in Springfield, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was INB, N.A. founded?
INB, N.A. was established in 1905, per the FDIC institution directory.
Is INB, N.A. FDIC-insured?
Yes. INB, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates INB, N.A.?
INB, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is INB, N.A.'s CET1 capital ratio?
INB, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does INB, N.A. operate?
INB, N.A. operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is INB, N.A.'s Texas Ratio?
INB, N.A.'s Texas Ratio is 25.17% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was INB, N.A. previously called?
The charter now named INB, N.A. has also operated as Illinois National Bank (1999-2019), per FDIC structure-change records.
Go deeper on INB, N.A.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock INB, N.A., freeFree account