Inbank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 5.70 percentage points in Q2 2026, from 226.49% to 220.79%. It was the largest change from Q1 2026 among the key lines here. Among 29 New Mexico banks, Inbank sits 2nd from the top on loan-to-deposit ratio, 84.74% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Inbank sits 3.46 points lower, at 84.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $942.7M |
| Net loans and leases | $927.0M |
| Loans held for sale | $0 |
| Loans to total assets | 69.81% |
| Loan-to-deposit ratio | 84.74% |
| Net loans to equity capital | 5.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.27% |
| Multifamily (5+ residential) | 1.62% |
| Commercial and industrial | 26.07% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 0.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.93% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.79% |
| Construction concentration (Tier 1 capital + allowance) | 27.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $15.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $901.7M | $1.04B | 45.91% | 21.85% | 0.30% |
| Q4 2023 | $902.1M | $1.16B | 46.12% | 21.83% | 0.29% |
| Q1 2024 | $934.6M | $1.13B | 46.48% | 22.10% | 0.23% |
| Q2 2024 | $958.6M | $1.12B | 47.21% | 22.03% | 0.24% |
| Q3 2024 | $940.8M | $1.16B | 48.37% | 21.50% | 0.24% |
| Q4 2024 | $914.5M | $1.13B | 50.63% | 22.12% | 0.23% |
| Q1 2025 | $933.3M | $1.21B | 53.25% | 23.50% | 0.20% |
| Q2 2025 | $959.1M | $1.18B | 52.81% | 26.67% | 0.19% |
| Q3 2025 | $1.01B | $1.18B | 53.28% | 25.00% | 0.19% |
| Q4 2025 | $980.2M | $1.15B | 56.41% | 25.02% | 0.16% |
| Q1 2026 | $954.4M | $1.15B | 56.26% | 26.63% | 0.16% |
| Q2 2026 | $942.7M | $1.11B | 56.27% | 26.07% | 0.16% |
Inbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Inbank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Inbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11492) · FFIEC NIC profile (RSSD 209858)