INBANK

RATON, NM | Large | Est. April 9, 1918, midnight | FDIC #11492 | RSSD #209858 | FDIC
Latest Report: 2025-12-31

INBANK is aln large FDIC-insured commercial bank headquartered in RATON, NM, established in April 9, 1918, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.1B. Profitability stands at -0.17% ROA and -1.51% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 12.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 3.27%. FDIC Certificate #11492.

Assets

$1.4B

Deposits

$1.1B

Loans

$980M

Equity

$164M

Profitability

Return on Assets (ROA) -0.17%
Return on Equity (ROE) -1.51%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.06%
Cost of Funds 3.45%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 0.87%
Texas Ratio 3.27%
NPA Ratio 0.42%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 12.86%
Tier 1 Capital 12.86%
Total Capital Ratio 14.12%
Leverage Ratio 10.38%
Loan-to-Deposit 85.53%

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