TellerScore

Headquartered in Springfield, Illinois, INB, National Association is a national bank with $2.7B in total assets and $2.4B in deposits as of Q2 2026. It operates 14 offices across 2 states. Its charter dates back to 1905.

INB, National Association has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 235th. Problem-loan coverage contributes the most (82/100, 9.0%); capital cushion contributes the least (44/100, 9.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.44%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.10%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 80.1% · 18.2% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.97%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (64 → 62), mostly because the funding & liquidity component improved by 10 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202464
Q4 202465
Q1 202567
Q2 202564
Q3 202562
Q4 202564
Q1 202666
Q2 202662
Tier 1 leverage ratio
5.00%7.43%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.38%
Q3 20249.37%
Q4 20249.41%
Q1 20259.63%
Q2 20259.68%
Q3 20259.64%
Q4 20259.75%
Q1 20269.85%
Q2 20269.44%
Noncurrent loans
0.39%0.75%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.43%
Q4 20240.39%
Q1 20250.45%
Q2 20250.84%
Q3 20251.10%
Q4 20250.87%
Q1 20260.72%
Q2 20261.10%
Return on assets
0.67%0.94%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.72%
Q4 20240.84%
Q1 20251.12%
Q2 20251.15%
Q3 20251.22%
Q4 20251.18%
Q1 20261.18%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$2.7B9.44%1.10%1.20%80.1%
Q1 202666$2.5B9.85%0.72%1.18%85.2%
Q4 202564$2.5B9.75%0.87%1.18%87.0%
Q3 202562$2.5B9.64%1.10%1.22%86.6%
Q2 202564$2.4B9.68%0.84%1.15%89.6%
Q1 202567$2.4B9.63%0.45%1.12%91.1%
Q4 202465$2.4B9.41%0.39%0.84%89.2%
Q3 202464$2.3B9.37%0.43%0.72%91.6%
Q2 202460$2.3B9.38%0.67%0.67%92.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.44%
22nd
Total risk-based capital13.28%
46th
Problem loans1.10%
24th
Net charge-offs0.10%
31st
Return on assets1.20%
45th
Net interest margin3.21%
23rd
Efficiency ratio63.8%
35th
Loans to deposits80.1%
67th
Uninsured deposits18.2%
86th
Loan-loss reserves1.07%
40th
Texas ratio9.0%
20th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Beverly Bank & Trust Company, National AssociationBank Chicago, IL71 out of 100, Strong$2.7B9.9%0.40%vs
FCB BanksBank Collinsville, IL66 out of 100, Moderate$2.6B8.5%0.76%vs
Republic Bank of ChicagoBank Oak Brook, IL68 out of 100, Moderate$2.6B12.6%1.27%vs
Schaumburg Bank & Trust Company, National AssociationBank Schaumburg, IL73 out of 100, Strong$2.6B9.4%0.11%vs
State Bank of the Lakes, National AssociationBank Antioch, IL71 out of 100, Strong$2.8B9.0%0.18%vs
Lakeside BankBank Chicago, IL75 out of 100, Strong$2.9B11.0%0.03%vs

Deposit insurance

Is my money safe at INB, National Association?

Yes. INB, National Association is an FDIC-insured institution (FDIC certificate #3664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.2% of deposits ($441.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.44%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.28% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

INB, National Association lists 14 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, INB, National Association reported 1,167 home-loan applications under HMDA (LEI 549300HGDJQ37M5BE268): 958 originated ($240,170,000 total), 51 denied, and 146 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
INB, National Association
Former names
Illinois National Bank; The First National Bank of Fairmount
Type
National bank
FDIC certificate #
3664
RSSD ID
925037
Primary regulator
OCC
Holding company
Illinois National Bcorp Inc
Established
January 1, 1905
Headquarters
322 E Capitol Ave, Springfield, IL 62701
Employees
334

Quick answers

INB, National Association: common questions

Is INB, National Association FDIC insured?

Yes. INB, National Association is an FDIC-insured institution (FDIC certificate #3664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is INB, National Association's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has INB, National Association ever failed?

There is no failure record for FDIC certificate #3664 in the FDIC failed bank list.

How many branches does INB, National Association have?

14 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs