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Overview / Commentary
2805 Butterfield Road
Oak Brook, IL 60523

Inland Bank & Trust is headquartered in Oak Brook and is the 40th largest bank in the state of Illinois. It is also the 649th largest bank in the nation. It was established in 1977 and as of December of 2013, it had grown to 278 employees at 12 locations. Inland Bank & Trust has a C+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Inland Bank & Trust had $53.15 million in non-current loans and owned real-estate with $128.08 million in equity and loan loss allowances on hand to cover it. This gives Inland Bank & Trust a Texas Ratio of 41.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Inland Bank & Trust decreased dramatically from 120.65% as of December 31, 2012 to 41.49% as of December 31, 2013, resulting in a positive change of 65.61%.This indicates that the balance sheet and financial strength for Inland Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Inland Bank & Trust has decreased its total deposits by -$110.18 million, resulting in -10.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Inland Bank & Trust has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Inland Bank & Trust has $1.02 billion in assets with $128.08 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

Institution Statistics

FDIC Certificate #22444
Year Established1977
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.02 billion
Loans$585.13 million
Deposits$896.24 million
Equity Capital$110.39 million
Loan Loss Allowance$17.70 million
Unbacked Noncurrent Loans$42.66 million
Real Estate Owned$10.49 million
Historic Data - December 2012
Assets$1.09 billion
Equity Capital$68.64 million
Loan Loss Allowance$23.02 million
Unbacked Noncurrent Loans$42.66 million
Real Estate Owned$31.88 million
Profit Margin - Quarterly
Net Interest Margin3.3%
Return on Assets1.49%
Return on Equity15.89%
Interest Income$38.13 million

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Inland Bank & Trust Savings Account Rates

0.15%$1k-Health Savings Account
0.10%--Simply Savings
0.10%--Young Banker Savings
0.10%--IRA Savings

Inland Bank & Trust Money Market Rates

0.25%$1m-Premier Money Market
0.25%$1m-Premier Business MMDA

Inland Bank & Trust Checking Account Rates

0.10%$100k-Premier Interest Checking
0.05%--Interest Checking
0.05%$1k-Premier Interest Business

Inland Bank & Trust CD Rates

1.11%$10k-60 Month Loyalty CD
1.06%$10k-60 Month CD
0.90%$10k-48 Month Loyalty CD
0.85%$10k-48 Month CD
0.75%$10k-36 Month Loyalty CD
0.70%$10k-36 Month CD
0.55%$10k-24 Month Loyalty CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Inland Bank & Trust has 11 locations. Click to view all Inland Bank & Trust locations.