Bank · FDIC insured
INB
A $2.7B bank headquartered in Springfield, IL, with 14 branches in 2 states. Best rates: CDs 1.95% and savings 0.30% APY.
INB Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#18 of 22 in Springfield, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About INB
INB, formerly Illinois National Bank, was founded in 1999 following a history rooted in Springfield dating back to the late 1800s.
Its growth includes acquiring First National Bank of Fairmount in 1999 as well as First National Bank of Mt. Pulaski and Capital Community Bank in 2008.
- Headquarters
- 322 E Capitol Ave, Springfield, IL 62701
- FDIC certificate
- 3664 ↗
Branches
14 branches in 2 states
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Illinois
13 branches
Springfield area · 8
- INB, National AssociationMain office322 E Capitol Ave, Springfield, IL 62701Directions
- Chatham Branch100 E Plummer Blvd, Chatham, IL 62629Directions
- Pleasant Plains Branch106 W Main St, Pleasant Plains, IL 62677Directions
- Riverton Community Bank Branch409 N 7th St, Riverton, IL 62561Directions
- Montvale Branch2601 Chatham Rd, Springfield, IL 62704Directions
- North Dirksen Parkway Branch2450 N Dirksen Pkwy, Springfield, IL 62702Directions
- South Sixth Street Branch2849 S 6th St, Springfield, IL 62703Directions
- West Wabash Branch3150 Wabash Ave, Springfield, IL 62704Directions
Bloomington area · 1
- East Washington Branch2402 E Washington St, Bloomington, IL 61704Directions
Champaign area · 1
- Champaign Branch217 S Neil St, Champaign, IL 61820Directions
Danville area · 1
- Fairmont Branch109 S Main St, Fairmount, IL 61841Directions
Lincoln area · 1
- Mount Pulaski Branch205 E Jefferson St, Mount Pulaski, IL 62548Directions
Peoria area · 1
- Peoria Branch7535 N Knoxville Ave, Peoria, IL 61614Directions
Florida
1 branch
- Tampa Branch2222 West Swann Avenue, Tampa, FL 33606Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.44% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.10% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.20% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalLeverage ratio9.44%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.10%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.20%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of INB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.