INB
INB reported total assets of $2.7 bn at Q2 2026, up 9.6% on a year earlier, the 471st largest of 497 banks in our US coverage. The CET1 capital ratio at INB was 12.19%, and the uninsured share of INB was 18.23%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, INB climbed from 390th to 317th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets INB apart
How large is INB?
The balance sheet of INB at : assets $2.7 bn, deposits $2.4 bn, net loans $1.9 bn (loans equal to 80.07% of deposits). Securities make up 3.8% of total assets at INB. Since , when INB held $825.1 mn, its assets grew 225.3%. In the year to , deposits at INB rose 10.0% while its total assets rose 9.6%. At , INB employed 334 full-time equivalent staff across 14 offices, about $8.0 mn of assets per employee and $172.9 mn of deposits per office.
How much funding at INB is uninsured?
At INB, uninsured deposits (above the FDIC limit) made up 18.23% of domestic deposits at (-0.42 pp on a year earlier); INB ranks 427th of 500 on this measure. In dollars, INB estimated $441.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +10.0% | 436th of 499 |
| Net loans and leases | $1.9 bn | -1.7% | 450th of 500 |
| Loan-to-deposit ratio | 80.07% | -9.53 pp | 341st of 500 |
| Tier 1 leverage ratio | 9.44% | -0.23 pp | 375th of 500 |
| Total risk-based capital ratio | 13.28% | +0.75 pp | 325th of 448 |
| Net interest margin | 3.21% | +0.18 pp | 370th of 500 |
| Return on assets (ROA) | 1.20% | +0.05 pp | 310th of 500 |
| Efficiency ratio | 63.82% | -0.85 pp | 381st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.8 mn | Narrowed by $1.0 mn | |
| Noncurrent loans to total loans | 1.10% | +0.26 pp | 381st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | +0.12 pp | 262nd of 500 (1 = lowest) |
US rank of INB: 1 = highest unless marked 1 = lowest.
Balance sheet
INB: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.4bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of INB stood at 12.19% in , +0.71 pp year on year. Low and high at INB since : 10.28% () to 12.94% (). Equity capital of INB at : $243.3 mn, or 9.1% of total assets. INB also reported a total capital ratio of 13.28% for , and a tier 1 leverage ratio of 9.44%.
The available-for-sale portfolio of INB showed an unrealized loss of $4.8 mn at ; the loss narrowed by $1.0 mn over the year.
INB: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.4%
INB: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity $0
Profitability and loan quality
For the year to , INB earned a return on equity of 12.75%; return on assets: 1.20%. Net interest margin at INB: 3.21%, +0.18 pp in a year. INB net income: $15.5 mn, up 11.6% year on year. The efficiency ratio of INB was 63.82%: about 64 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 1.10% of total loans at INB; net charge-offs: 0.10% of average loans. Gross loans and leases at INB: $2.0 bn, down 1.7% in a year.
INB: profitability
- Return on equity 13%
- Net interest margin 3.2%
- Return on assets 1.2%
Peer group of INB
The peer group of INB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of INB (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, INB shows CET1 ratio 12.19% against a peer median of 13.81%, return on equity 12.75% against a peer median of 12.02% and uninsured deposit share 18.23% against a peer median of 39.13%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
. FDIC Call Reports.
Last eight quarters
Two years at INB, to : assets +15.4%, deposits +15.4%, equity +15.4%. Staff 302 to 334; offices 13 to 14.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.7 bn |
| Total deposits | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.4 bn |
| Bank equity capital | $210.8 mn | $216.8 mn | $224.7 mn | $229.1 mn | $235.0 mn | $241.7 mn | $243.1 mn | $243.3 mn |
| CET1 ratio | 10.94% | 11.15% | 11.36% | 11.48% | 11.90% | 12.11% | 12.21% | 12.19% |
| Return on equity (ROE) | 7.90% | 9.27% | 12.23% | 12.41% | 13.16% | 12.58% | 12.30% | 12.75% |
| Uninsured share of domestic deposits | 17.79% | 18.35% | 17.57% | 18.64% | 17.56% | 18.61% | 19.36% | 18.23% |
| Full-time equivalent employees | 302 | 295 | 302 | 317 | 310 | 306 | 318 | 334 |
| Number of offices | 13 | 13 | 13 | 14 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by INB appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of INB?
INB reported $2.7 bn at in its Call Report. That makes INB the 471st largest of 497 banks in our US coverage.
Is INB the same as its holding company?
No. This page covers INB, FDIC certificate 3664; ILLINOIS NATIONAL BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is INB profitable?
INB reported net income of $15.5 mn for the year to ; annualized return on equity: 12.75%. So yes: INB made a profit over these months.
When is data for INB next updated?
Figures from INB for are due after .
Where can I check the figures for INB?
In the FDIC BankFind Suite record for certificate 3664, and in the Call Reports of INB (RSSD ID 925037) at the FFIEC Central Data Repository.