Illinois National Bank

322 East Capitol Street
Springfield, IL 62701

Notable Rates APY Vs.Others
Savings 0.20% 2.25% →
1-Year CD 0.70% 2.25% →
2-Year CD 1.00% 2.50% →
5-Year CD 1.85% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Illinois National Bank is an FDIC insured institution located in Springfield, IL. It was founded in 1905 and has approximately $1.03 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 3664
Date Established 1905
Assets $1.03 billion
Loans $0.79 billion
Deposits $0.93 billion
Capital $0.10 billion

For a more detailed analysis of Illinois National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1,000 $9,999 Learn MoreShow Less
Money Market
0.35% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.40% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.50% $100,000 - Learn MoreShow Less
12 Mo CD
0.60% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.70% $100,000 - Learn MoreShow Less
24 Mo CD
0.90% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.00% $100,000 - Learn MoreShow Less
1.75% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.85% $100,000 - Learn MoreShow Less

Fixed IRA
0.60% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.00% $1 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.07% $1 $4,999 Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Illinois National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Illinois National Bank
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Illinois National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Illinois National Bank Locations

Financial Details

Illinois National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Illinois National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Illinois National Bank U.S. Bank Average
9.09% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Illinois National Bank had $9,354,000 in non-current loans and $377,000 in owned real estate. To cover these potential losses it had $97,103,000 in equity and $9,919,000 in loans loss reserves. That gives it a Texas Ratio of 9.09%.

Return on Equity
Illinois National Bank U.S. Bank Average
9.49% 9.50%

Illinois National Bank has a Return on Equity of 9.49% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Illinois National Bank U.S. Bank Average
9.4% 12.76%

Illinois National Bank has a Capitalization of 9.4% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Illinois National Bank Balance Sheet Analysis

As of June 30, 2019, Illinois National Bank had assets of $1,033,338,000, loans of $786,308,000, and deposits of $929,127,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.10 billion
Interest-bearing balances $0.08 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.79 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.94 billion
Total deposits $0.93 billion
      Interest-bearing deposits $0.73 billion
      Deposits held in domestic offices $0.93 billion
      % insured (estimated) 74.04%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.94 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Illinois National Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Illinois National Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.12
Credit Card Loans 0.00
Consumer Auto Loans 0.11
Small Business Loans 6.93
Construction and Development Loans 7.21
Commercial Real Estate 35.21
Commercial and Industrial Loans 14.06
Farm Loans 0.94

Frequently Asked Questions About Illinois National Bank

Branches and Savings

Is Illinois National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3664.

Why does Illinois National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Illinois National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Illinois National Bank a commercial bank?


Where are Illinois National Bank locations?

See branch locations nearby.

Is Illinois National Bank open on Saturdays?

Is Illinois National Bank open on Sundays?

What time does Illinois National Bank open?

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Are Illinois National Bank ATMs Open 24/7?

Do Illinois National Bank ATMs accept cash deposits?

Can Illinois National Bank customers use other ATMs?

Do Illinois National Bank branches have notaries?

Will Illinois National Bank notarize my document?

What address for Illinois National Bank should I put for incoming ACH transfers?

Will the Illinois National Bank branch print checks?

Do Illinois National Bank checks expire?

Does Illinois National Bank require US citizenship to open account?

Can Illinois National Bank close my account?

Does Illinois National Bank Report to credit bureaus?

Does Illinois National Bank Use Equifax?

What is Illinois National Bank's ACH Routing Number?

What is Illinois National Bank's SWIFT code?


Does Illinois National Bank offer mortgages?

Compare mortgage rates here.

Does Illinois National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Illinois National Bank offer personal loans?

Compare personal loan rates here.

Does Illinois National Bank offer student loans?

Will Illinois National Bank cash a check?

Will Illinois National Bank redeem a savings bond?

Does Illinois National Bank cash savings bonds?

Will Illinois National Bank cash money orders?

Can Illinois National Bank issue a money order?

Does Illinois National Bank do currency exchange?

Background on The Bank

Who owns Illinois National Bank?

How long has Illinois National Bank been around?

Can Illinois National Bank transfer to other banks?

Does Illinois National Bank have quick pay?

Does Illinois National Bank accept rolled coins?

Will Illinois National Bank accept loose change?

Where is Illinois National Bank headquarters?

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