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The National Bank of Indianapolis
Indianapolis, IN·FDIC Cert #33860·Charter: OCC·Est. 19931208.0·HC: NATIONAL BK INPOLIS CORP
Total Assets
$3.1B
Q4 2025
Return on Assets
1.28%
+0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.73%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.28%+0.02
ROE
18.22%+0.04
Efficiency
56.73%-0.82
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.30%-0.24
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 13.6 | 15.2 | 15.2 | 15.7 | 18.2 | 18.7 | 18.2 | 18.2 |
| Efficiency | 64.7 | 62.9 | 62.8 | 61.9 | 60.8 | 57.8 | 57.5 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.0 | -0.0 | -0.0 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 64.0 | 65.9 | 62.4 | 65.6 | 61.6 | 69.2 | 70.5 | 70.3 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.8B
Total Loans$2.0B
Total Equity$227.9M
Profitability
ROA1.28%
ROE18.22%
Efficiency Ratio56.73%
Net Income$38.3M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.05%
Loan/Deposit70.30%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans