Inb, National Association
Springfield, IL · Cert 3664 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Illinois National Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
$2.7BAssets
$2.0BLoans
$2.4BDeposits
$243.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 45% of banks $1B-$10B in assets operating regionally (rank 97 of 176).
- Widest gap: net interest margin trails 87% of banks $1B-$10B in assets operating regionally (rank 154 of 176).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.91%
Rank 135 of 176
Net Interest Margin
3.04%
Rank 154 of 176
Efficiency Ratio
63.82%
Rank 111 of 176
Equity / Assets
9.07%
Rank 137 of 176
Non-interest income vs. expense
Unfavorable gap of $44.0M · efficiency ratio beats 37% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.93% | 1.26% | 1.54% | Beats 23% | 135 / 176 | |
| Return on Equity | 10.04% | 9.26% | 11.89% | 14.46% | Beats 35% | 115 / 176 | |
| Net Interest Margin | 3.04% | 3.25% | 3.59% | 3.93% | Beats 13% | 154 / 176 | |
| Efficiency Ratio | 63.82% | 52.79% | 59.55% | 67.66% | Beats 37% | 111 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.30% | 0.64% | 1.32% | Beats 29% | 126 / 176 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 40% | 106 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 12.19% | 11.15% | 12.72% | 14.15% | Beats 44% | 98 / 176 | |
| Total Risk-Based Capital Ratio | 13.28% | 11.81% | 13.63% | 15.33% | Beats 45% | 97 / 176 | |
| Equity / Assets | 9.07% | 9.16% | 10.35% | 11.80% | Beats 22% | 137 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 80.93% | 80.94% | 89.73% | 97.21% | 24th pctl | 133 / 176 | |
| Loans / Assets | 73.01% | 69.25% | 75.12% | 80.82% | 40th pctl | 106 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |