2805 Butterfield Road
Oak Brook, IL 60523


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22444
Date Established 1977
Assets $1.09 billion
Loans $0.76 billion
Deposits $0.95 billion
Capital $0.13 billion

INLAND BANK & TRUST is an FDIC insured institution located in Oak Brook, IL. It was founded in 1977 and has approximately $1.09 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of INLAND BANK & TRUST's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
2.20% $10,000 - Learn MoreShow Less
3 Mo CD
0.45% $1,000 - Learn MoreShow Less
6 Mo CD
0.55% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $10,000 - Learn MoreShow Less
18 Mo CD
0.85% $10,000 - Learn MoreShow Less
24 Mo CD
0.95% $10,000 - Learn MoreShow Less
36 Mo CD
1.16% $10,000 - Learn MoreShow Less
48 Mo CD
1.31% $10,000 - Learn MoreShow Less
60 Mo CD
1.51% $10,000 - Learn MoreShow Less

Fixed IRA
0.75% $1,000 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $24,999 Learn MoreShow Less

Loan Rates - July 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for INLAND BANK & TRUST

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.777% 3.750% 0.38 $832 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


INLAND BANK & TRUST branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:


Financial Details

INLAND BANK & TRUST Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of INLAND BANK & TRUST. 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
7.85% 6.94%

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 March 31, 2019, INLAND BANK & TRUST had $8,550,000 in non-current loans and $2,733,000 in owned real estate. To cover these potential losses it had $133,705,000 in equity and $10,082,000 in loans loss reserves. That gives it a Texas Ratio of 7.85%.

Return on Equity
6.39% 9.47%

INLAND BANK & TRUST has a Return on Equity of 6.39% versus the BestCashCow average of 9.47%. 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.

12.23% 12.49%

INLAND BANK & TRUST has a Capitalization of 12.23% versus the BestCashCow average of 12.49. 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.

INLAND BANK & TRUST Balance Sheet Analysis

As of March 31, 2019, INLAND BANK & TRUST had assets of $1,093,283,000, loans of $756,736,000, and deposits of $951,957,000. 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

March 31, 2019
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.25 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.76 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 $0.96 billion
Total deposits $0.95 billion
      Interest-bearing deposits $0.81 billion
      Deposits held in domestic offices $0.95 billion
      % insured (estimated) 79.38%
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 $0.96 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in INLAND BANK & TRUST’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, INLAND BANK & TRUST has a significantly higher percent of Small Business Loans, 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 18.97
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.77
Construction and Development Loans 3.94
Commercial Real Estate 49.36
Commercial and Industrial Loans 12.62
Farm Loans 0.00

Frequently Asked Questions About Inland Bank & Trust

Branches and Savings

Is Inland Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #22444.

Why does Inland Bank & Trust pay such low interest on savings accounts?

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

Why are Inland Bank & Trust CD rates not competitive?

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

Is Inland Bank & Trust a commercial bank?


Where are Inland Bank & Trust locations?

See branch locations nearby.

Is Inland Bank & Trust open on Saturdays?

Is Inland Bank & Trust open on Sundays?

What time does Inland Bank & Trust open?

What time does Inland Bank & Trust close?

Are Inland Bank & Trust ATMs Open 24/7?

Do Inland Bank & Trust ATMs accept cash deposits?

Can Inland Bank & Trust customers use other ATMs?

Do Inland Bank & Trust branches have notaries?

Will Inland Bank & Trust notarize my document?

What address for Inland Bank & Trust should I put for incoming ACH transfers?

Will the Inland Bank & Trust branch print checks?

Do Inland Bank & Trust checks expire?

Does Inland Bank & Trust require US citizenship to open account?

Can Inland Bank & Trust close my account?

Does Inland Bank & Trust Report to credit bureaus?

Does Inland Bank & Trust Use Equifax?

What is Inland Bank & Trust's ACH Routing Number?

What is Inland Bank & Trust's SWIFT code?


Does Inland Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Inland Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Inland Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Inland Bank & Trust offer student loans?

Will Inland Bank & Trust cash a check?

Will Inland Bank & Trust redeem a savings bond?

Does Inland Bank & Trust cash savings bonds?

Will Inland Bank & Trust cash money orders?

Can Inland Bank & Trust issue a money order?

Does Inland Bank & Trust do currency exchange?

Background on The Bank

Who owns Inland Bank & Trust?

How long has Inland Bank & Trust been around?

Can Inland Bank & Trust transfer to other banks?

Does Inland Bank & Trust have quick pay?

Does Inland Bank & Trust accept rolled coins?

Will Inland Bank & Trust accept loose change?

Where is Inland Bank & Trust headquarters?

Customer Reviews for INLAND BANK & TRUST

There are currently no comments for INLAND BANK & TRUST. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →