INLAND BANK & TRUST
Our records indicate that this bank has been acquired by Byline Bank.
Headquarters
2805 Butterfield Rd
Oak Brook, IL 60523
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2024 Overview
General Bank Information
INLAND BANK & TRUST is an FDIC insured institution located in Oak Brook, IL. It was founded in 1977 and has approximately $1.19 billion in assets. Customers can open an account at one of its 12 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 22444 |
| Date Established | 1977 |
| Assets | $ 1,205.16 million |
| Loans | $ 850.25 million |
| Deposits | $ 968.61 million |
| Capital | $ 165.71 million |
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 - November 21, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% |
6.375% 0.88 points $4,010 fees |
$1,997 | Learn More |
NMLS ID: 1025894 |
6.953% |
6.875% 0.63 points $2,534 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.225% |
7.125% 1.00 points $3,200 fees |
$2,156 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to INLAND BANK & TRUST
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Branches
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:
Columbus,Ohio
INLAND BANK & TRUST Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 287.41 | A | View Lobby Hours | |
| 290.69 | B | View Lobby Hours | |
| 291.77 | C | View Lobby Hours | |
| 294.12 | D | View Lobby Hours | |
| 294.69 | E | View Lobby Hours | |
| 295.76 | F | View Lobby Hours | |
| 296.06 | G | View Lobby Hours | |
| 299.44 | H | View Lobby Hours | |
| 306.87 | I | View Lobby Hours | |
| 309.87 | J | View Lobby Hours | |
| 312.65 | K | View Lobby Hours | |
| 312.67 | L | View Lobby Hours |
Climate Policy and Initiatives
INLAND BANK & TRUST is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| INLAND BANK & TRUST | U.S. Bank Average |
|---|---|
| 4.08% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2024, INLAND BANK & TRUST had $7,216,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $165,713,000 in equity and $11,243,000 in loans loss reserves. That gives it a Texas Ratio of 4.08%.
Return on Equity
| INLAND BANK & TRUST | U.S. Bank Average |
|---|---|
| 5.95% | 10.46% |
INLAND BANK & TRUST has a Return on Equity of 5.95% versus the BestCashCow average of 10.46%. 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.
Capitalization
| INLAND BANK & TRUST | U.S. Bank Average |
|---|---|
| 13.75% | 10.84% |
INLAND BANK & TRUST has a Capitalization of 13.75% versus the BestCashCow average of 10.84. 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 June 30, 2023, INLAND BANK & TRUST had assets of $1,191,380,000, loans of $850,254,000, and deposits of $968,608,000. 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, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 39.59 million |
| Interest-bearing balances | $ 32.51 million |
| Total securities | $ 249.91 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 850.25 million |
| Loan loss allowance | $ 11.24 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 36.57 million |
| Total Assets | $ 1,025.67 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 968.61 million |
| Interest-bearing deposits | $ 758.54 million |
| Deposits held in domestic offices | $ 968.61 million |
| % insured (estimated) | 71.55% |
| Federal funds purchased and repurchase agreements | $ 0.46 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 12.92 million |
| Total Liabilities | $ 1,025.67 million |
| Shareholders’ Equity | $ 179.49 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 28.92 million |
| Total Interest Expense | $ 9.33 million |
| Net interest income | $ 19.59 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 1.16 million |
| Total non interest expense | $ 18.26 million |
| Pre-tax Net Operating Income | $ 3.14 million |
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 Construction and Development Loans.
Compared to other banks in Illinois, INLAND BANK & TRUST has a significantly higher percent of Construction and Development 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 16.68 | ✓ | ||
| Multifamily Mortgages |
10.13 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.01 | ✓ | ||
| Small Business Loans | 6.10 | ✓ | ||
| Construction and Development Loans | 12.34 | ✓ | ||
| Commercial Real Estate | 40.15 | ✓ | ||
| Commercial and Industrial Loans | 11.28 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
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