Inbank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 63.71 percentage points lower than in Q1 2026, at 126.96%. Within New Mexico, Inbank is 25th of 29 on return on assets, 1.09% as of Q2 2026. Inbank reported 1.09% on return on assets for Q2 2026, 0.19 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.15% |
| Tier 1 risk-based capital ratio | 14.15% |
| Total risk-based capital ratio | 15.40% |
| Tier 1 leverage ratio | 11.46% |
| Equity capital to assets | 12.66% |
| Tangible equity to tangible assets | 11.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.85% |
| Texas ratio | 7.95% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 126.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 8.73% |
| Net interest margin | 4.05% |
| Efficiency ratio | 55.33% |
| Yield on earning assets | 5.76% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.74% |
| Core deposits to total deposits | 86.94% |
| Brokered deposits to total deposits | 8.75% |
| Deposits to assets | 82.38% |
| Securities to assets | 19.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.50% | 11.50% | 12.54% | 10.03% | 0.90% |
| Q4 2023 | 11.85% | 11.85% | 12.93% | 10.20% | 0.77% |
| Q1 2024 | 11.90% | 11.90% | 13.04% | 10.02% | 0.68% |
| Q2 2024 | 11.80% | 11.80% | 12.98% | 10.41% | 0.84% |
| Q3 2024 | 12.11% | 12.11% | 13.33% | 10.28% | 0.87% |
| Q4 2024 | 12.61% | 12.61% | 13.79% | 10.60% | 1.04% |
| Q1 2025 | 12.77% | 12.77% | 13.99% | 10.70% | 0.84% |
| Q2 2025 | 12.93% | 12.93% | 14.17% | 10.59% | 0.86% |
| Q3 2025 | 12.57% | 12.57% | 13.82% | 10.71% | 0.69% |
| Q4 2025 | 12.86% | 12.86% | 14.12% | 10.38% | -0.17% |
| Q1 2026 | 13.71% | 13.71% | 14.96% | 10.99% | 1.08% |
| Q2 2026 | 14.15% | 14.15% | 15.40% | 11.46% | 1.09% |
Inbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Inbank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)