Inb National Assn (FDIC #3664): Bank Stress & Real-Estate Credit Exposure

Inb National Assn (FDIC Cert #3664): bank stress 70/100, elevated, STABLE over 7 days; parent ILLINOIS NATIONAL BCORP INC.

Inb National Assn (#3664) lends in 7 counties across 2 states; Inb National Assn (#3664) reaches 219 ZIP codes: Illinois 6 counties, 161 ZIPs; Florida 1 county, 58 ZIPs.

Inb National Assn (#3664) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#3664), Champaign County, IL (35 branches, 35 ZIPs) (#3664), Mclean County, IL (33 branches, 33 ZIPs) (#3664), Sangamon County, IL (240 branches, 30 ZIPs) (#3664), Peoria County, IL (28 branches, 28 ZIPs) (#3664), Vermilion County, IL (27 branches, 27 ZIPs) (#3664).

Inb National Assn (#3664) reports $2.68 billion in total assets; Inb National Assn (#3664) equity $243.3 million (9.1% of Inb National Assn (#3664) assets); Inb National Assn (#3664) domestic deposits $2.42 billion; Inb National Assn (#3664) net income $15.5 million; Inb National Assn (#3664) return on assets 1.20%; Inb National Assn (#3664) return on equity 12.75%; Inb National Assn (#3664) net interest income $39.9 million; Inb National Assn (#3664) call report June 30, 2026.

Inb National Assn (#3664) noncurrent real-estate loans: none reported; Inb National Assn (#3664) residential 0.02%; Inb National Assn (#3664) net charge-offs on real estate 1.23%; Inb National Assn (#3664) multifamily charge-offs 0.09%; Inb National Assn (#3664) residential charge-offs 2.16%.

Inb National Assn (#3664) net interest margin 3.21% against an eight-quarter Inb National Assn (#3664) average of 3.02% (Inb National Assn (#3664) compression -0.19 points); Inb National Assn (#3664) non-residential real estate 215.7% of equity; Inb National Assn (#3664) rate-exposure score 40/100, Inb National Assn (#3664) fixed-rate trap 40/100; Inb National Assn (#3664) risk type credit driven; Inb National Assn (#3664) rate regime rates elevated, Inb National Assn (#3664) snapshot October 20, 2026.

Inb National Assn (#3664) stress score moved from 67 on June 22, 2026 to 69.9 on October 20, 2026; Inb National Assn (#3664) ranged 67 to 69.9 over 117 snapshots.

Inb National Assn (#3664) alerts: 7 counties; top Inb National Assn (#3664) alert scores: Peoria County, IL 43 (moderate); Champaign County, IL 41 (moderate); Bloomington County, IL 25 (low); Fairmount County, IL 25 (low); Mount Pulaski County, IL 25 (low).