The National Bank of Indianapolis: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The National Bank of Indianapolis is the primary bank subsidiary of its parent holding company, headquartered in Indianapolis, IN. Returns are notably above industry norms: 1.51% ROA, 19.73% ROE, and 3.18% NIM. The Q2 2026 balance sheet stands at $3.0B in assets, including $2.1B in loans. Capital cushions are healthy: 11.42% CET1, 9.29% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.33%. The National Bank of Indianapolis operates a 13-branch network.
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 0.33%, a Texas ratio of 2.67%, per financial data filed with the FFIEC.
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
- Offices
- 13 domestic
- Employees (FTE)
- 312
- Domestic deposits
- $2.67B
- Allowance for credit losses
- $25.9M
- Net charge-offs (YTD)
- $283K
- 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
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 The National Bank of Indianapolis terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The National Bank of Indianapolis, 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
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 The National Bank of Indianapolis: Uninsured deposits.
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 | 11.42% | 1.51% | 0.33% | 2.67% | 3.18% |
| Q1 2026 | 11.36% | 1.22% | 0.30% | 2.41% | 3.12% |
| Q4 2025 | 11.54% | 1.34% | 0.32% | 2.56% | 3.09% |
| Q3 2025 | 11.67% | 1.27% | 0.42% | 3.28% | 3.24% |
| Q2 2025 | 11.80% | 1.29% | 0.41% | 3.21% | 3.04% |
| Q1 2025 | 11.77% | 1.16% | 0.51% | 4.10% | 2.99% |
| Q4 2024 | 11.72% | 1.08% | 0.40% | 3.49% | 2.92% |
| Q3 2024 | 13.12% | 1.09% | 0.18% | 1.32% | 2.92% |
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 13 branches →
| 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
What the public regulatory sources show for The National Bank of Indianapolis, 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
- 1.2% of deposits in IN, rank 22 of 131 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.
- 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.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The National Bank of Indianapolis headquartered?
The National Bank of Indianapolis is headquartered in Indianapolis, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The National Bank of Indianapolis founded?
The National Bank of Indianapolis was established in 1993, per the FDIC institution directory.
Is The National Bank of Indianapolis FDIC-insured?
Yes. The National Bank of Indianapolis 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The National Bank of Indianapolis's CET1 capital ratio?
The National Bank of Indianapolis 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?
The National Bank of Indianapolis 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?
The National Bank of Indianapolis's Texas Ratio is 2.67% in its Q2 2026 call report, within the healthy range (under 25%). 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.
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