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Overview / Commentary
2805 Butterfield Road
Oak Brook, IL 60523

Inland Bank & Trust is headquartered in Oak Brook and is the 41st largest bank in the state of Illinois. It is also the 668th largest bank in the nation. It was established in 1977 and as of March of 2014, it had grown to 296 employees at 12 locations. Inland Bank & Trust has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Inland Bank & Trust had $36.43 million in non-current loans and owned real-estate with $131.51 million in equity and loan loss allowances on hand to cover it. This gives Inland Bank & Trust a Texas Ratio of 27.70% 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 80.32% as of March 31, 2013 to 27.70% as of March 31, 2014, resulting in a positive change of 65.51%.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 -$27.04 million, resulting in -2.95% 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 below average.



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 $1.01 billion in assets with $131.51 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

Institution Statistics

FDIC Certificate #22444
Year Established1977
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.01 billion
Loans$614.90 million
Deposits$889.26 million
Equity Capital$113.40 million
Loan Loss Allowance$18.11 million
Unbacked Noncurrent Loans$29.06 million
Real Estate Owned$7.37 million
Historic Data - March 2013
Assets$1.03 billion
Equity Capital$104.57 million
Loan Loss Allowance$24.18 million
Unbacked Noncurrent Loans$29.06 million
Real Estate Owned$27.60 million
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.47%
Return on Equity4.26%
Interest Income$9.39 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.