INB

Overview / Commentary

www.inb.com

217-747-5500

322 East Capitol Ave.
Springfield, IL 62701

INB is headquartered in Springfield and is the 38^th largest bank in the state of Illinois. It is also the 652^nd largest bank in the nation. It was established in 1905 and as of December of 2021, it had grown to 268 employees at 13 locations. INB has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	3664
Year Established	1905
Employees	268
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	11.8%
Annual Interest Income	$42.7MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$1.66B$1.48B
Loans	Q4 2021vs Q4 2020	$972.6MM$981.0MM
Deposits	Q4 2021vs Q4 2020	$1.53B$1.35B
Equity Capital	Q4 2021vs Q4 2020	$130.8MM$118.8MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$9.9MM$10.0MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$2.9MM$5.9MM
Real Estate Owned	Q4 2021vs Q4 2020	$1.6MM$25.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
2.20%^*	$5k^*	$100k	Structured Savings IRA
OTHER TIERS: 1.70% → Up to $5k
0.25%^*	$250k^*	-	Maximizer Account
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $250k
0.20%^*	$5k^*	-	Health Savings Accounts
OTHER TIERS: 0.10% → Up to $5k
0.10%	-	-	You Name It! Savings
0.10%	-	-	Regular Savings
0.10%	-	-	Minor Savings
0.10%	-	-	Business Savings

INB Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$250k^*	-	Premier Money Market Savings
OTHER TIERS: 0.10% → Up to $1k \| 0.20% → $1k - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $250k
0.25%^*	$250k^*	-	Business Money Market Savings
OTHER TIERS: 0.10% → Up to $100k \| 0.20% → $100k - $250k
0.25%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $250k
0.25%	-	-	Money Market IRA

INB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	-	-	Premier Business Checking
0.12%^*	$5k^*	-	Power Plus Checking
OTHER TIERS: 0.07% → Up to $5k

INB CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%^*	$100k^*	-	5 Year CD
OTHER TIERS: 1.25% → $1k - $100k
1.10%^*	$100k^*	-	42 Month CD
OTHER TIERS: 1.00% → $1k - $100k
1.10%	$1k	-	48 Month Risinig Rate Premier CD
1.00%	$1k	-	48 Month Risinig Rate CD
0.65%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.55% → $1k - $100k
0.56%	$1k	-	24 Month Rising Rate Premier CD
0.46%	$1k	-	24 Month Rising Rate CD
0.35%^*	$100k^*	-	1 Year CD
OTHER TIERS: 0.25% → $1k - $100k
0.25%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.15% → $1k - $100k

INB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	5 Year IRA
1.10%	$1k	-	4 Year IRA
1.10%	$1k	-	48 Month Risinig Rate Premier IRA
1.00%	$1k	-	48 Month Risinig Rate IRA
0.80%	$1k	-	3 Year IRA
0.56%	$1k	-	24 Month Rising Rate Premier IRA
0.55%	$1k	-	2 Year IRA
0.46%	$1k	-	24 Month Rising Rate IRA
0.40%	$1k	-	18 Month IRA
0.25%	$1k	-	1 Year IRA
0.15%	$1k	-	6 Month IRA

Locations

Availability

Champaign Area

Champaign Area bank & credit union details

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