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Inbank
Raton, NM · FDIC Certificate #11492 · Chartered 04/0
Total assets
$1.35B
Total deposits
$1.11B
Total equity
$170.91M
Net loans
$926.98M
Branches (offices)
15
Net income (YTD)
$7.44M
Rank: #818 of 4,213 U.S. banks by assets · #3 of 29 in New Mexico. Assets changed -1.6% and deposits -6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 8.88% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 12.66% |
| Tier 1 leverage ratio | 11.46% |
| Uninsured deposits (share of deposits) | 39.9% |
| Noncurrent loans (share of loans) | 1.31% |
| Net charge-offs (share of loans) | 0.76% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $670.14M | 72.3% | |
| Commercial & industrial | $246.04M | 26.5% | |
| Consumer / individual | $1.53M | 0.2% | |
| Construction & development | $46.18M | 5.0% | |
| Agricultural | $1.77M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.20B | $1.06B | $3.49M | $129.74M |
| Jun 2023 | $1.30B | $1.06B | $6.44M | $137.40M |
| Jun 2024 | $1.34B | $1.12B | $4.95M | $148.21M |
| Jun 2025 | $1.37B | $1.18B | $5.78M | $161.80M |
| Jun 2026 | $1.35B | $1.11B | $7.44M | $170.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $793.82M | 11 |
| New Mexico | $318.65M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.11B.
Similar-sized banks
Coastal Carolina National Bank ($1.35B) · Sabine State Bank And Trust Company ($1.35B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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