The National Bank of Indianapolis
The National Bank of Indianapolis reported total assets of $3.0 bn at Q2 2026, up 5.5% on a year earlier, the 415th largest of 497 banks in our US coverage. The CET1 capital ratio at The National Bank of Indianapolis was 11.42%, and the uninsured share of The National Bank of Indianapolis was 60.27%. Source: FDIC Call Reports.
Key takeaways
- The National Bank of Indianapolis has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 60.27% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- On noncurrent loans to total loans, The National Bank of Indianapolis climbed from 96th to 52nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets The National Bank of Indianapolis apart
How large is The National Bank of Indianapolis?
The balance sheet of The National Bank of Indianapolis at : assets $3.0 bn, deposits $2.7 bn, net loans $2.1 bn (loans equal to 79.39% of deposits). Securities make up 17.2% of total assets at The National Bank of Indianapolis. Since , when The National Bank of Indianapolis held $2.0 bn, its assets grew 53.6%. In the year to , deposits at The National Bank of Indianapolis rose 1.3% while its total assets rose 5.5%. At , The National Bank of Indianapolis employed 312 full-time equivalent staff across 13 offices, about $9.7 mn of assets per employee and $205.6 mn of deposits per office.
How much funding at The National Bank of Indianapolis is uninsured?
At The National Bank of Indianapolis, uninsured deposits (above the FDIC limit) made up 60.27% of domestic deposits at (+0.13 pp on a year earlier); The National Bank of Indianapolis ranks 28th of 500 on this measure. In dollars, The National Bank of Indianapolis estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | +1.3% | 392nd of 499 |
| Net loans and leases | $2.1 bn | +16.2% | 419th of 500 |
| Loan-to-deposit ratio | 79.39% | +10.16 pp | 353rd of 500 |
| Tier 1 leverage ratio | 9.29% | +0.64 pp | 397th of 500 |
| Total risk-based capital ratio | 12.47% | -0.44 pp | 388th of 448 |
| Net interest margin | 3.22% | +0.07 pp | 368th of 500 |
| Return on assets (ROA) | 1.37% | +0.11 pp | 214th of 500 |
| Efficiency ratio | 56.87% | -0.92 pp | 265th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $61.6 mn | Narrowed by $9.7 mn | |
| Noncurrent loans to total loans | 0.15% | -0.08 pp | 52nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.01 pp | 153rd of 500 (1 = lowest) |
US rank of The National Bank of Indianapolis: 1 = highest unless marked 1 = lowest.
Balance sheet
The National Bank of Indianapolis: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.7bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of The National Bank of Indianapolis stood at 11.42% in , -0.38 pp year on year. Low and high at The National Bank of Indianapolis since : 10.37% () to 13.12% (). Equity capital of The National Bank of Indianapolis at : $237.5 mn, or 7.8% of total assets. The National Bank of Indianapolis also reported a total capital ratio of 12.47% for , and a tier 1 leverage ratio of 9.29%.
The available-for-sale portfolio of The National Bank of Indianapolis showed an unrealized loss of $61.6 mn at ; the loss narrowed by $9.7 mn over the year.
The National Bank of Indianapolis: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.3%
The National Bank of Indianapolis: unrealized securities gains and losses
- Available for sale -$62mn
- Held to maturity $0
Profitability and loan quality
For the year to , The National Bank of Indianapolis earned a return on equity of 18.16%; return on assets: 1.37%. Net interest margin at The National Bank of Indianapolis: 3.22%, +0.07 pp in a year. The National Bank of Indianapolis net income: $21.1 mn, up 12.5% year on year. The efficiency ratio of The National Bank of Indianapolis was 56.87%: about 57 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.15% of total loans at The National Bank of Indianapolis; net charge-offs: 0.03% of average loans. Gross loans and leases at The National Bank of Indianapolis: $2.1 bn, up 16.1% in a year.
The National Bank of Indianapolis: profitability
- Return on equity 18%
- Net interest margin 3.2%
- Return on assets 1.4%
Peer group of The National Bank of Indianapolis
The peer group of The National Bank of Indianapolis is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of The National Bank of Indianapolis (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Indiana. Against them, The National Bank of Indianapolis shows CET1 ratio 11.42% against a peer median of 12.70%, return on equity 18.16% against a peer median of 9.46% and uninsured deposit share 60.27% against a peer median of 28.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
| The Bank of Tampa | State nonmember bank | FL | $3.0 bn | 14.52% | 13.05% | 53.42% | |
| U. S. Century Bank | State nonmember bank | FL | $3.0 bn | 12.48% | 16.79% | 54.26% | |
. FDIC Call Reports.
Last eight quarters
Two years at The National Bank of Indianapolis, to : assets +1.3%, deposits -2.8%, equity +10.5%. Staff 325 to 312.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.1 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.0 bn |
| Total deposits | $2.8 bn | $2.7 bn | $2.9 bn | $2.6 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.7 bn |
| Bank equity capital | $215.0 mn | $189.0 mn | $201.4 mn | $211.7 mn | $222.4 mn | $227.9 mn | $232.4 mn | $237.5 mn |
| CET1 ratio | 13.12% | 11.72% | 11.77% | 11.80% | 11.67% | 11.54% | 11.36% | 11.42% |
| Return on equity (ROE) | 15.22% | 15.70% | 18.18% | 18.72% | 18.18% | 18.22% | 16.57% | 18.16% |
| Uninsured share of domestic deposits | 61.02% | 59.80% | 61.90% | 60.14% | 60.57% | 61.63% | 61.70% | 60.27% |
| Full-time equivalent employees | 325 | 332 | 324 | 329 | 329 | 320 | 317 | 312 |
| Number of offices | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by The National Bank of Indianapolis 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 The National Bank of Indianapolis?
The National Bank of Indianapolis reported $3.0 bn at in its Call Report. That makes The National Bank of Indianapolis the 415th largest of 497 banks in our US coverage.
Is The National Bank of Indianapolis the same as its holding company?
No. This page covers The National Bank of Indianapolis, FDIC certificate 33860; NATIONAL BK INPOLIS CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The National Bank of Indianapolis profitable?
The National Bank of Indianapolis reported net income of $21.1 mn for the year to ; annualized return on equity: 18.16%. So yes: The National Bank of Indianapolis made a profit over these months.
When is data for The National Bank of Indianapolis next updated?
Figures from The National Bank of Indianapolis for are due after .
Where can I check the figures for The National Bank of Indianapolis?
In the FDIC BankFind Suite record for certificate 33860, and in the Call Reports of The National Bank of Indianapolis (RSSD ID 2132941) at the FFIEC Central Data Repository.