The National Bank of Indianapolis

Overview / Commentary
107 North Pennsylvania Street
Indianapolis, IN 46204

The National Bank of Indianapolis is headquartered in INDIANAPOLIS and is the 13th largest bank in the state of Indiana. It is also the 405th largest bank in the nation. It was established in 1993 and as of March of 2024, it had grown to 322 employees at 13 locations. The National Bank of Indianapolis has an A health rating.

Reviews (3)

Good Local Bank in Indianapolis Area

I have had a good experience as a customer of National Bank of Indianapolis. I have used checking and savings accounts at this bank. I think their rates are pretty competitive and I feel like I am getting good service. Whenever I visit a teller, I am treated respectfully and my business is handled capably and quickly. They never have long lines, which I really appreciate. I would say that their online features are not as robust and user friendly as some of the bigger institutions, but they have enough online to do what I generally need to do without too much effort. They have a pretty good selection of branches for a local bank, but I'd like to see a few more added around the Indianapolis area. I've mostly used the One America and Carmel branches and never had a complaint about service there.

Great savings option

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I used the National Bank of Indianapolis for most of my life (until I moved out of Indiana) and really enjoyed my experience. I held a savings account with them since before I was born (naturally, my parents opened it for me), and their interest rates helped me accumulate a decent sum over the time I kept my account there. Whenever I had questions, it was easy to just go to a branch and ask for help. The employees were always friendly and accommodating. As a child, I was still learning about what money meant and how banks worked, and whenever I went with my mom to do my banking, I learned a little about how the system worked and what the different aspects of my account (interest rate, balance, accrued interest etc.) meant. When it came time to close my account as I was leaving the state, the process was absolutely painless and nobody tried to guilt me into keeping my funds there, which I really appreciated. Overall, the National Bank of Indianapolis was a great resource for me and a bank I would definitely use again if I moved back to IN.

Commercial Loans

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NBI does not make the process of maintaining loan accounts easy or client friendly. This is unfortunate, especially considering our history with the bank - considerable amounts borrowed, always current, history of fully paid loans. Feels as though we are being "nickel and dimed."


Health Grade Components

FDIC Certificate #33860
Year Established1993
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD13.64%
Annual Interest Income$37.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.93B$2.86B
LoansQ1 2024vs Q1 2023$1.72B$1.63B
DepositsQ1 2024vs Q1 2023$2.69B$2.58B
Equity CapitalQ1 2024vs Q1 2023$192.3MM$180.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$24MM$23.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.1MM$4.2MM
Real Estate OwnedQ1 2024vs Q1 2023$552K$0

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