BlastPoint's Banking Scorecard
INB, National Association
Community
Specialty: Commercial
IL
FDIC cert 3664
Springfield, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
INB, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+4.4% YoY
+1.1% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.0B
+1.2% YoY
+1.4% QoQ
|
+$988.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.3B
+3.7% YoY
+0.9% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.18%
+40.2% YoY
-3.7% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.10%
+10.5% YoY
+0.8% QoQ
|
-0.57% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
65.24%
-3.8% YoY
+2.6% QoQ
|
+2.61% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.88%
+121.9% YoY
-20.9% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
87.03%
-2.4% YoY
+0.6% QoQ
|
+3.97% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
11.85%
-11.2% YoY
-4.2% QoQ
|
-9.20% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+115.2% YoY
-20.7% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.11%
+8.6% YoY
+1.8% QoQ
|
+1.87% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.73%
+8.7% YoY
+29.2% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#169 of 642 · Bottom 26% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.03% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.24% · Tier avg: 62.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
21
21th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.66%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.85% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.85% · Tier avg: 21.05%
21
21th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.66%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
40
40th pctile
Efficiency Ratio
Current: 65.24% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.03% · Tier avg: 83.06%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M