THE NATIONAL BANK OF INDIANAPOLIS

INDIANAPOLIS, IN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1993FDIC #33,860

Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.23%

Is this bank safe?

THE NATIONAL BANK OF INDIANAPOLIS holds a Satisfactory CRA rating (2025), and is financially strong (ROA +1.23%).

Institution Profile

FDIC BankFind

Website

www.nbofi.com

Address

107 N Pennsylvania St, INDIANAPOLIS, IN

County

Marion County

Established

December 8, 1993

Total Assets

$3.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 5, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.1B

Total Deposits

$2.9B

Net Loans

$2.1B

Net Income

$10M

ROA

1.23%

Above avg for Community banks. Peer avg: 0.90%

ROE

16.57%

Risk-Based Capital

12.44%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.23%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.44%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate4.89%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.6B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	409	81.66%	4.89%
2023	492	81.71%	6.50%
2022	624	82.37%	4.81%
2021	500	80%	1.20%
2020	774	85.01%	2.07%
2019	581	87.78%	2.07%
2018	407	84.77%	1.72%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2025	Satisfactory	Large Bank
Apr 2022	Satisfactory	Large Bank
Jan 2019	Satisfactory	Large Bank

7 previous ratings locked — back to 1996

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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