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INB


Overview / Commentary
www.inb.com
217-747-5500
322 East Capitol Ave.
Springfield, IL 62701

INB is headquartered in SPRINGFIELD and is the 30th largest bank in the state of Illinois. It is also the 546th largest bank in the nation. It was established in 1905 and as of December of 2023, it had grown to 288 employees at 13 locations. INB's CD rates are 50% higher than the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3664
Year Established1905
Employees288
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.11%
Annual Interest Income$97.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.17B$1.82B
LoansQ4 2023vs Q4 2022$1.76B$1.51B
DepositsQ4 2023vs Q4 2022$1.96B$1.59B
Equity CapitalQ4 2023vs Q4 2022$195.5MM$169.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$17.7MM$14.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.7MM$908K
Real Estate OwnedQ4 2023vs Q4 2022$0$117K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

INB Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.84%*$5k*$100kStructured Savings IRA
OTHER TIERS: 3.32% → Up to $5k
0.40%*$250k*-Maximizer Account
OTHER TIERS: 0.20% → Up to $50k | 0.30% → $50k - $250k
0.40%*$5k*-Health Savings Accounts
OTHER TIERS: 0.20% → Up to $5k
0.20%--You Name It! Savings
0.20%--Regular Savings
0.20%--Minor Savings
0.20%--Business Savings

INB Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-Premier Money Market Savings
OTHER TIERS: 0.20% → Up to $1k | 0.40% → $1k - $10k | 0.60% → $10k - $50k | 0.80% → $50k - $250k
0.50%*$250k*-Business Money Market Savings
OTHER TIERS: 0.20% → Up to $10k | 0.40% → $10k - $250k
0.50%*$250k*-Money Market Savings
OTHER TIERS: 0.20% → Up to $10k | 0.30% → $10k - $50k | 0.40% → $50k - $250k
0.50%--Money Market IRA

INB Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$5k*-Power Plus Checking
OTHER TIERS: 0.15% → Up to $5k
0.15%--Premier Business Checking

INB CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%$1k-48 Month Risinig Rate Premier CD
1.95%*$100k*-5 Year CD
OTHER TIERS: 1.85% → $1k - $100k
1.85%$1k-48 Month Risinig Rate CD
1.75%*$100k*-42 Month CD
OTHER TIERS: 1.65% → $1k - $100k
1.55%*$100k*-2 Year CD
OTHER TIERS: 1.45% → $1k - $100k
1.53%$1k-24 Month Rising Rate Premier CD
1.35%*$100k*-1 Year CD
OTHER TIERS: 1.25% → $1k - $100k
1.22%$1k-24 Month Rising Rate CD
0.75%*$100k*-6 Month CD
OTHER TIERS: 0.65% → $1k - $100k

INB IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%$1k-48 Month Risinig Rate Premier IRA
1.85%$1k-5 Year IRA
1.85%$1k-48 Month Risinig Rate IRA
1.65%$1k-4 Year IRA
1.55%$1k-3 Year IRA
1.53%$1k-24 Month Rising Rate Premier IRA
1.45%$1k-2 Year IRA
1.35%$1k-18 Month IRA
1.25%$1k-1 Year IRA
1.22%$1k-24 Month Rising Rate IRA
0.65%$1k-6 Month IRA
Locations

Availability



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