FDIC certificate 33860
The National Bank of Indianapolis
Indianapolis, Indiana · 107 N Pennsylvania St 46204
Hunter Score
This bank ranks above the middle of its size group.
Up 5 points from last quarter.
Compared with 265 banks with $3 billion to $10 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
The National Bank of Indianapolis has a Hunter Score of 61 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $3 billion to $10 billion in assets.
The FDIC reported return on equity of 18.16% (field ROE). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 89 out of 100. A rank of 50 is typical.
The FDIC reported net interest margin of 3.22% (field NIMY). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 25 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Uninsured deposits are at least half of depositsFDIC's estimated uninsured deposits were $1,610,506,000, which is 60.3% of total deposits ($2,672,154,000). We flag this at half. That is a reading aid on this site, not an FDIC limit. The uninsured figure is an estimate for domestic offices, so it will not always match total deposits exactly.
- Unrealized securities loss is at least a quarter of equityAvailable-for-sale securities were $523,505,000 at fair value and $585,083,000 at amortized cost (FDIC fields SCAF and SCAA). The difference is an unrealized loss of $61,578,000, equal to 26% of total equity. We flag this at 25% of equity. It is not an FDIC limit. Held-to-maturity unrealized losses are not included, because this file does not publish a held-to-maturity cost we can subtract from fair value without guessing.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Indiana with $3 billion to $10 billion in assets, ordered by Hunter Score.
- 1st Source Bank71out of 100
- German American Bank71out of 100
- Horizon Bank69out of 100
- Lake City Bank69out of 100
- First Farmers Bank & Trust Co.68out of 100
Top Hunter Scores in Indiana · Top scores with $3 billion to $10 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
18.16%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 89 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.37%
Profit for each dollar of assets. Higher is stronger.
Peer rank 55 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.22%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 25 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
56.87%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 47 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.15%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 88 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202661 out of 100
- Q1 2026, ending March 31, 202656 out of 100
- Q4 2025, ending December 31, 202563 out of 100
- Q3 2025, ending September 30, 202564 out of 100
- Q2 2025, ending June 30, 202565 out of 100
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About this bank
- Total assets
- $3.0 billion
- Deposits
- $2.7 billion
- Equity
- $237.5 million
- Tangible equity
- $237.5 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 13
- Charter
- National bank
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $21.1 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: National Bk Inpolis Corp, Indianapolis, IN. Federal Reserve RSSD 2149622.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
107 N Pennsylvania St, Indianapolis, IN 46204
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.