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Inb, National Association
Springfield, IL · FDIC Certificate #3664 · Chartered 01/0
Total assets
$2.68B
Total deposits
$2.42B
Total equity
$243.31M
Net loans
$1.94B
Branches (offices)
14
Net income (YTD)
$15.47M
Rank: #477 of 4,213 U.S. banks by assets · #30 of 322 in Illinois. Assets changed 9.6% and deposits 10.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 12.75% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 9.07% |
| Tier 1 leverage ratio | 9.44% |
| Uninsured deposits (share of deposits) | 18.2% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 80.1% |
| Real estate loans (share of loans) | 79.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.55B | 79.9% | |
| Commercial & industrial | $368.40M | 19.0% | |
| Consumer / individual | $2.48M | 0.1% | |
| Construction & development | $113.05M | 5.8% | |
| Agricultural | $5.98M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.77B | $1.63B | $5.20M | $133.17M |
| Jun 2023 | $2.04B | $1.85B | $7.61M | $181.43M |
| Jun 2024 | $2.26B | $2.04B | $7.31M | $203.16M |
| Jun 2025 | $2.45B | $2.20B | $13.87M | $229.05M |
| Jun 2026 | $2.68B | $2.42B | $15.47M | $243.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $2.32B | 13 |
| Florida | $101.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.42B.
Similar-sized banks
Beverly Bank & Trust Company, National Association ($2.69B) · Interaudi Bank ($2.68B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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