TellerScore

The National Bank of Indianapolis is a national bank headquartered in Indianapolis, Indiana, in business for about 33 years. At the end of Q2 2026 it reported $3.0B in total assets and $2.7B in deposits, with 13 offices.

Based on its Q2 2026 filing, The National Bank of Indianapolis scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 46th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is funding & liquidity (31/100; 79% loans-to-deposits, 60% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 79.4% · 60.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.24%

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 rose 2 points (64 → 66), mostly because the funding & liquidity component weakened by 10 points.

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202467
Q4 202462
Q1 202564
Q2 202564
Q3 202566
Q4 202565
Q1 202665
Q2 202666
Tier 1 leverage ratio
5.00%7.15%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.96%
Q3 20249.24%
Q4 20248.33%
Q1 20258.48%
Q2 20258.65%
Q3 20259.23%
Q4 20258.92%
Q1 20268.95%
Q2 20269.29%
Noncurrent loans
0.05%0.16%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.05%
Q4 20240.25%
Q1 20250.27%
Q2 20250.23%
Q3 20250.20%
Q4 20250.18%
Q1 20260.17%
Q2 20260.15%
Return on assets
1.02%1.20%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.04%
Q4 20241.06%
Q1 20251.17%
Q2 20251.26%
Q3 20251.26%
Q4 20251.28%
Q1 20261.23%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$3.0B9.29%0.15%1.37%79.4%
Q1 202665$3.1B8.95%0.17%1.23%72.1%
Q4 202565$3.1B8.92%0.18%1.28%70.3%
Q3 202566$3.0B9.23%0.20%1.26%70.5%
Q2 202564$2.9B8.65%0.23%1.26%69.2%
Q1 202564$3.1B8.48%0.27%1.17%61.6%
Q4 202462$3.0B8.33%0.25%1.06%65.6%
Q3 202467$3.0B9.24%0.05%1.04%62.4%
Q2 202465$2.8B8.96%0.06%1.02%65.9%

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 ratio9.29%
19th
Total risk-based capital12.47%
36th
Problem loans0.15%
81st
Net charge-offs0.03%
54th
Return on assets1.37%
61st
Net interest margin3.22%
23rd
Efficiency ratio56.9%
58th
Loans to deposits79.4%
69th
Uninsured deposits60.3%
4th
Loan-loss reserves1.21%
60th
Texas ratio1.2%
80th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
STAR Financial BankBank Fort Wayne, IN68 out of 100, Moderate$3.2B10.3%0.46%vs
First Farmers Bank & Trust Co.Bank Converse, IN67 out of 100, Moderate$3.5B10.1%1.00%vs
Peoples BankBank Munster, IN53 out of 100, Below average$2.0B9.3%1.10%vs
First Bank MidwestBank Frankfort, IN52 out of 100, Below average$1.5B10.9%1.78%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
First Harrison BankBank Corydon, IN75 out of 100, Strong$1.3B11.3%0.72%vs

Deposit insurance

Is my money safe at The National Bank of Indianapolis?

Yes. The National Bank of Indianapolis is an FDIC-insured institution (FDIC certificate #33860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 60.3% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.47% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

The National Bank of Indianapolis lists 13 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The National Bank of Indianapolis reported 558 home-loan applications under HMDA (LEI 549300FTS7TVGFDGUH88): 495 originated ($190,575,000 total), 13 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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
The National Bank of Indianapolis
Type
National bank
FDIC certificate #
33860
RSSD ID
2132941
Primary regulator
OCC
Holding company
National Bk Inpolis Corp
Established
December 8, 1993
Headquarters
107 N Pennsylvania St, Indianapolis, IN 46204
Employees
312

Quick answers

The National Bank of Indianapolis: common questions

Is The National Bank of Indianapolis FDIC insured?

Yes. The National Bank of Indianapolis is an FDIC-insured institution (FDIC certificate #33860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The National Bank of Indianapolis's TellerScore?

66 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 The National Bank of Indianapolis ever failed?

There is no failure record for FDIC certificate #33860 in the FDIC failed bank list.

How many branches does The National Bank of Indianapolis have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Indianapolis

InstitutionScoreAssetsCapitalProblem loansCompare
H a L E Federal Credit UnionCredit union Indianapolis, IN100 out of 100, Very strong$399K25.1%0.00%vs
Mt Zion Indianapolis Federal Credit UnionCredit union Indianapolis, IN98 out of 100, Very strong$1.4M38.3%0.00%vs
Professional Police Officers Credit UnionCredit union Indianapolis, IN92 out of 100, Very strong$58.7M14.8%0.00%vs
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs