BlastPoint's Banking Scorecard

INB, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 3664

Designations: ✓ Community bank

Springfield, IL

14 branches across IL · FL

884 banks in the $1B-$10B peer group nationally 50 in IL

INB, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- ROA 0.19% below tier average
- Net Interest Margin 0.59% below tier average
- Efficiency Ratio 3.53% above tier average

Get updates when INB, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.5B +6.3% YoY +1.0% QoQ	-$272.9M	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$1.9B -0.8% YoY -1.0% QoQ	-$20.4M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$2.3B +6.1% YoY +1.1% QoQ	-$61.4M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.18% +4.9% YoY +0.1% QoQ	-0.19%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	3.23% +8.9% YoY +4.4% QoQ	-0.59%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	64.59% -1.9% YoY -1.0% QoQ	+3.53%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.73% +59.7% YoY -16.7% QoQ	-0.16%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	85.21% -6.5% YoY -2.1% QoQ	+1.01%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	14.99% +16.0% YoY +26.6% QoQ	-6.30%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.64% +71.7% YoY -5.9% QoQ	-0.03%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	12.21% +7.5% YoY +0.9% QoQ	-2.95%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.18% -3.4% YoY -75.5% QoQ	-0.08%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	65%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available