B
INB, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings INB, National Association
Springfield, IL
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Rating B
Asset Quality Index 4.50
Capitalization Index 8.00
Liquidity Index 2.60
Profitability Index 4.70
Stability Index 7.40
Company Info INB, National Association
Springfield, IL
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FDIC Number 3664
Phone Number (217) 747-5500
Website www.inb.com/
Asset Quality INB, National Association
Springfield, IL
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1-Year Asset Growth 7.02%
5-Year Asset Growth 21.72%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.87%
Non-Performing Loans to Capital 8.24%
Non-Performing Loans to Loans 3.65%
Balance Sheet INB, National Association
Springfield, IL
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Total Assets 2.49B
Total Deposits 2.24B
Capital and Reserves INB, National Association
Springfield, IL
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Capital 234.98M
Leverage Ratio 9.64
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 12.92
Liquidity INB, National Association
Springfield, IL
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Hot Money Ratio 8.99%
Liquidity Ratio 17.49%
Profitability INB, National Association
Springfield, IL
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5-Year Return on Average Assets 0.88%
Net Income 22.35M
Net Interest Spread 3.06%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 63.59%
Return on Assets 1.22%
Return on Equity 13.15%