INB, National Association: how it compares with its peers
Against 32 IL banks with half to twice its assets, INB, National Association's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $10.8M peer median). Its weakest relative measure is efficiency ratio (63.82% vs. 51.13%).
| Measure | INB, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.35% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.21% | 3.42% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.82% | 51.13% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $10.8M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.07% | 87.02% | Context |
What it means for lending operations
Its efficiency ratio of 63.82% is above the 51.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Beverly Bank & Trust Company, National Association Chicago, IL · $2.69B
- FCB Banks Collinsville, IL · $2.64B
- Republic Bank of Chicago Oak Brook, IL · $2.61B
- Schaumburg Bank & Trust Company, National Association Schaumburg, IL · $2.56B
- State Bank of the Lakes, National Association Antioch, IL · $2.81B
- Lakeside Bank Chicago, IL · $2.85B
Questions about INB, National Association
How big is INB, National Association?
INB, National Association, established in 1905, is headquartered in Springfield, IL. It reported $2.68B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is INB, National Association's return on assets?
1.20% annualized in Q2 2026, against a 1.35% median for 32 IL banks with half to twice its assets, ahead of 34% of them.
What is INB, National Association's efficiency ratio?
63.82% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 51.13%, and lower is better.
Is INB, National Association growing its loans?
Net loans shrank 1.7% over the year to Q2 2026, while deposits grew 10.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.