Inb National Assn
Springfield, Illinois · FDIC Cert #3664
Inb National Assn is an FDIC-insured bank (Certificate #3664) with $2.3B in total assets and $2.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Springfield, Illinois, the bank maintains a Tier 1 capital ratio of 10.90% (Well-Capitalized) and a nonperforming loan ratio of 0.67%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Inb National Assn (FDIC cert 3664) is a mid-sized bank with $2.3B in total assets and $2.0B in deposits, based in Springfield, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.90% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.67% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.68% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Inb National Assn carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Inb National Assn
- Total Assets
- $2.3B
- Total Deposits
- $2.0B
- Tier 1 Capital Ratio
- 10.90%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.67%
- Liquidity Ratio
- 13.71%
- Return on Assets
- 0.68%
- Headquarters
- Springfield, Illinois
- FDIC Certificate
- #3664
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Inb National Assn holds a Tier 1 capital ratio of 10.90%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Inb National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Inb National Assn shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Inb National Assn Compares
Inb National Assn’s Health Score of 63 is 9 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 10.90% Tier 1 capital ratio is 3.1 points below the US banking industry average near 14%. The 0.67% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.68% is below the national ROA benchmark of ~1.1%. Among 549 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Inb National Assn is 7 points below the portfolio average of 70.
Frequently Asked Questions
Inb National Assn has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.90%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Inb National Assn's Tier 1 capital ratio of 10.90% and nonperforming loan ratio of 0.67% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Inb National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3664). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Inb National Assn holds $2.3B in total assets and $2.0B in total deposits. It is headquartered in Springfield, Illinois (FDIC Certificate #3664).
Inb National Assn has a Tier 1 capital ratio of 10.90%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.67%, and the return on assets is 0.68%.
Yes. Inb National Assn is FDIC-insured (Certificate #3664). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Inb National Assn's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.