BlastPoint's Banking Scorecard
INB, National Association
Designations: ✓ Community bank
Springfield, IL
14 branches across IL · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +10.0% year over year ($2.4B on the books).
- Delinquency rate 1.11%.
- Return on assets 1.20%.
- Efficiency ratio 63.82% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.07% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
INB, National Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.66% below tier average
- - Efficiency Ratio 4.09% above tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+9.6% YoY
+5.6% QoQ
|
-$109.3M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$1.9B
-1.7% YoY
-0.3% QoQ
|
-$24.6M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$2.4B
+10.0% YoY
+6.1% QoQ
|
+$102.5M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.20%
+4.5% YoY
+1.7% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.21%
+5.9% YoY
-0.6% QoQ
|
-0.66% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
63.82%
-1.3% YoY
-1.2% QoQ
|
+4.09% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
1.11%
+31.1% YoY
+51.7% QoQ
|
+0.24% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
80.07%
-10.6% YoY
-6.0% QoQ
|
-4.97% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
11.69%
-10.7% YoY
-22.0% QoQ
|
-9.58% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.88%
+29.3% YoY
+36.9% QoQ
|
+0.21% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.19%
+6.2% YoY
-0.2% QoQ
|
-2.65% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.36%
-6.0% YoY
+99.9% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.7%
-1.4pp YoY -3.3pp QoQ |
-9.7pp | 21.4% | 20.1% | 22.2% | 15% |
| Brokered Deposits |
37.6%
+4.1pp YoY +5.8pp QoQ |
+28.1pp | 9.5% | 8.0% | 8.5% | 96% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.0%
+1.9pp YoY -0.3pp QoQ |
+5.0pp | 14.0% | 14.7% | 12.5% | 78% |
| CRE |
65.3%
-2.3pp YoY -0.3pp QoQ |
+15.2pp | 50.0% | 37.9% | 41.4% | 84% |
| 1-4 Family |
13.1%
+0.9pp YoY +0.7pp QoQ |
-13.3pp | 26.4% | 28.3% | 31.3% | 25% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 5.4% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
+0.7pp YoY 0.0pp QoQ |
-3.4pp | 15.6% | 19.9% | 19.7% | 28% |
| Leverage Ratio |
9.4%
-0.2pp YoY -0.4pp QoQ |
-1.9pp | 11.3% | 12.2% | 12.6% | 21% |
| Total Capital Ratio |
13.3%
+0.8pp YoY 0.0pp QoQ |
-3.4pp | 16.7% | 20.9% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
334
+17 (+5.4%) YoY +16 (+5.0%) QoQ |
+20 | 313 | 228 | 482 | 70% |
| Assets per Employee ($) |
$8.0M
+4.0% YoY +0.5% QoQ |
-$2.4M | $10.5M | $8.3M | $8.8M | 40% |
| Branch Count |
14
0 YoY 0 QoQ |
-6 | 20 | 10 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY |
-0.2pp | 0.2% | 0.4% | 0.4% | 4% |
| Nonaccrual |
1.1%
+0.3pp YoY +0.4pp QoQ |
+0.3pp | 0.8% | 1.1% | 1.0% | 77% |
| Allowance Coverage |
0.97x
-21.7% YoY -32.6% QoQ |
-17.74x | 18.71x | 5.62x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+0.3pp YoY +0.4pp QoQ |
+0.2pp | 12.6% | 10.5% | 11.6% | 54% |
| Cost of Funds (YTD) |
2.2%
-0.4pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.6% | 1.7% | 73% |
| Net Income ($, YTD) |
$15.5M
+11.6% YoY — QoQ |
-$3.8M | $19.2M | $11.7M | $40.4M | 61% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.