Inbank
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Data as of · sourced from FFIEC call reports. How we update
Inbank is an FDIC-insured commercial bank headquartered in Raton, NM, established in 1918 (FDIC certificate 11492), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.35B, down 1.6% from Q2 2025, the 3rd largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 14.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11492
- Headquarters
- Raton, NM
- Established
- 1918
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 14.15%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 102200245
- Holding company
- INBANKSHARES, CORP
- Asset rank in state
- 3rd of 29 in New Mexico
Inbank, based in Raton, New Mexico, reported $1.4 billion in assets at June 30, 2026, down 1.6% from a year earlier. It shrank its loan book 1.7% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also carries problem assets equal to 7.9% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
The commercial and industrial book ($246 million) is worsening: 4.74% of it is past due or on nonaccrual, up from 1.45% a year earlier. Net income for the quarter rose 24% from a year earlier, to $3.7 million. Profitability lags: it returns 8.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Inbank reported a CET1 capital ratio of 14.15%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.31% and a Texas ratio of 7.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Inbank is the 3rd largest of the 29 banks headquartered in New Mexico. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $1.35B, loans fell 1.2% and deposits fell 3.1%. Non-owner-occupied commercial real estate loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 26.1%. The FDIC Summary of Deposits lists 15 offices for it, in 12 cities across 2 states; its Greenwood Village office books 23% of its branch deposits. On its Q2 2026 call report, Inbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1233 S 2nd St, Raton, NM 87740
- County
- Colfax
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 9, 1918
- Former names
- International Bank (2019)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $15.7M
- Net charge-offs (YTD)
- $3.6M
- Average total assets
- $1.36B
- Average total loans
- $954.9M
- Average interest-bearing deposits
- $792.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11492
- Fed RSSD
- 209858
- SEC CIK
- 1737334 → filed by INBANKSHARES, CORP
- Website
- www.inbank.com →
- Parent Holding Company
- INBANKSHARES, CORP (RSSD 5199776)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Inbank's total assets ran between $1.29B (Q3 2023) and $1.44B (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.37B; $1.18B total liabilities against $1.21B.
$927.0M net loans and leases against $946.1M; $1.11B total deposits against $1.18B.
$257.7M securities against $312.5M; $101.0M cash and balances due against $48.3M.
$18.6M total interest income against $18.4M; $5.6M total interest expense against $6.3M.
$13.0M net interest income against $12.1M.
$2.3M total noninterest income against $1.9M; $8.8M total noninterest expense against $9.5M.
$1.9M provision for credit losses against $600K.
$3.7M net income against $3.0M.
1.09% return on assets against 0.86%; 4.05% net interest margin against 3.70%.
14.15% CET1 capital ratio against 12.93%; 11.46% tier 1 leverage ratio against 10.59%.
Inside the full Inbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Inbank rankings
Its closest position to the top of a national ranking is 810 of 4,196, for total assets; its furthest is 2,306 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q4 2025) to 1.09% (Q2 2026) and its net interest margin ran from 3.70% (Q2 2025) to 4.05% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.15% | 1.09% | 1.31% | 7.95% | 4.05% |
| Q1 2026 | 13.71% | 1.08% | 0.87% | 3.89% | 3.99% |
| Q4 2025 | 12.86% | -0.17% | 0.47% | 3.72% | 3.99% |
| Q3 2025 | 12.57% | 0.69% | 0.75% | 5.49% | 4.03% |
| Q2 2025 | 12.93% | 0.86% | 1.02% | 8.95% | 3.70% |
| Q1 2025 | 12.77% | 0.84% | 1.10% | 6.94% | 3.80% |
| Q4 2024 | 12.61% | 1.04% | 1.15% | 8.04% | 3.83% |
| Q3 2024 | 12.11% | 0.87% | 1.00% | 7.39% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dtc Branch | Greenwood Village , CO | 80111 | $254.5M |
| Inbank (main office) | Raton , NM | 87740 | $222.0M |
| Superior Branch | Superior , CO | 80027 | $110.2M |
| Pueblo University Park Branch | Pueblo , CO | 81001 | $107.3M |
| Rino Branch | Denver , CO | 80216 | $107.2M |
| North Convent Branch | Trinidad , CO | 81082 | $69.9M |
| Colorado Springs Branch | Colorado Springs , CO | 80906 | $58.4M |
| Pueblo West Branch | Pueblo West , CO | 81007 | $46.0M |
| Angel Fire Branch | Angel Fire , NM | 87710 | $42.3M |
| Springer Branch | Springer , NM | 87747 | $28.1M |
| Cimarron Branch | Cimarron , NM | 87714 | $26.3M |
| Canon City Branch | Canon City , CO | 81212 | $25.9M |
| Regency Park Branch | Pueblo , CO | 81005 | $14.5M |
| Mobile Branch | Pueblo , CO | 81001 | $0 |
| Mobile Branch | Colorado Springs , CO | 80906 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 30, 2022 | Structure Change | Acquired Legacy Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 2009 | Structure Change | Acquired International Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in NM, rank 31 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 13 loans, $17.8M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Inbank
What are Inbank's total assets?
As of the Q2 2026 filing, Inbank reported total assets of $1.35 billion in its FFIEC call report.
Where is Inbank headquartered?
It is headquartered in Raton, NM, United States.
When was Inbank founded?
It was established in 1918, per the FDIC institution directory.
Is Inbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Inbank?
Inbank's primary federal regulator is the FDIC.
What is Inbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Inbank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Inbank's Texas Ratio?
Its Texas Ratio is 7.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Inbank previously called?
The charter now named Inbank has also operated as International Bank (2019), per FDIC structure-change records.
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