INB, National Association
Springfield, Illinois, Sangamon County
$2.7B in total assets, the 489th largest of 4,309 US banks and 30th of 328 headquartered in Illinois.
- FDIC certificate
- 3664
- Established
- 1905
- Owned by
- Illinois National Bcorp Inc
- Primary regulator
- OCC
- Website
- http://www.inb.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.7B | 50% | $2.7B | |
| Loans | $2.0B | 48% | $2.1B | |
| Deposits | $2.4B | 54% | $2.3B | |
| Return on assets | 1.20% | 35% | 1.42% | |
| Net interest margin | 3.21% | 20% | 3.57% | |
| Efficiency ratio | 63.8% | 82% | 51.0% | |
| Equity to assets | 9.07% | 29% | 10.00% | |
| Loans to deposits | 81% | 34% | 87% |
Growth
Total assets grew 11.9% a year over the last 5 years and 11.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2008 | The First National Bank of Mt. Pulaski Mount Pulaski, IL | $43M |
| Oct 2004 | Riverton Community Bank Riverton, IL | $34M |
Where they operate
14 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sangamon County, IL | $2.1B | 21.8% | 1 of 24 |
| Peoria County, IL | $151M | 3.4% | 8 of 18 |
| Hillsborough County, FL | $101M | 0.2% | 31 of 51 |
| Champaign County, IL | $42M | 0.6% | 20 of 29 |
| Logan County, IL | $28M | 4.3% | 7 of 9 |
| Vermilion County, IL | $23M | 1.5% | 10 of 14 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (13 to 14, +7.7%). 3 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Closed Springfield | 0 | 1 | −1 | 12 |
| 2017 | Opened BloomingtonClosed Bloomington | 1 | 1 | 0 | 12 |
| 2018 | Opened Champaign | 1 | 0 | +1 | 13 |
| 2025 | Opened Tampa | 1 | 0 | +1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 44% | 28% | |
| Business (C&I) | 19% | 26% | |
| Multifamily | 15% | 9% | |
| 1-4 family residential | 13% | 14% | |
| Construction and land | 6% | 7% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 2% | |
| Consumer | 0% | 6% | |
| Other | 2% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 74% | 55% | |
| Time deposits | 14% | 25% | |
| Noninterest-bearing | 12% | 21% |
Brokered deposits are 37.6% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.10% | 0.49% |
| Net charge-offs, annualized | 0.10% | 0.07% |
| Reserves to loans | 1.07% | 1.13% |
| Leverage ratio | 9.44% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Sangamon County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/inb