Inbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Inbank of Raton, NM against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.34% | -0.25% | 34th below |
| ROAE | 8.73% | 12.34% | -3.61% | 22nd bottom |
| Net Interest Margin | 4.05% | 3.83% | +0.22% | 72nd above |
| Efficiency Ratio | 55.33% | 58.97% | -3.64% | 59th above |
| PPNR / Avg Assets | 1.91% | — | — | 62nd above |
| Yield on Earning Assets | 5.76% | 5.71% | +0.05% | 63rd above |
| Cost of Funds | 1.90% | 2.02% | -0.12% | 56th above |
| Net Interest Spread | 3.10% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.31% | 0.87% | +0.44% | 20th bottom |
| NPA / Total Assets | 0.97% | — | — | 22nd bottom |
| NCO / Avg Loans | 0.85% | 0.43% | +0.42% | 5th bottom |
| ACL / Total Loans | 1.67% | — | — | 91st top |
| ACL / NPLs (Coverage) | 126.96% | — | — | 32nd below |
| Texas Ratio | 7.95% | 5.48% | +2.47% | 23rd bottom |
| Provision / NCO | 96.25% | — | — | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.15% | 14.99% | -0.84% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.15% | 15.02% | -0.87% | 60th above |
| Total Capital Ratio | 15.40% | — | — | 62nd above |
| Leverage Ratio | 11.46% | 11.11% | +0.35% | 68th above |
| Equity / Assets | 12.66% | 11.02% | +1.64% | 82nd top |
| TCE / Tangible Assets | 11.27% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.74% | 86.99% | -2.25% | 59th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.94% | 85.57% | +1.37% | 41st below |
| Uninsured Deposit Ratio | 39.87% | 33.19% | +6.68% | 27th below |
| Wholesale Funding Ratio | 4.22% | — | — | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.64% | — | — | 9th bottom |
| Loan Growth (Y/Y) | -1.71% | — | — | 10th bottom |
| Deposit Growth (Y/Y) | -6.06% | — | — | 3rd bottom |
See Inbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Inbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Inbank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Inbank peer analysis.