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InBank
Raton, NM · State-chartered bank (not a Fed member) · Part of Inbankshares Corp
- Total assets
- $1.35B
- Q2 2026
- Deposits
- $1.11B
- Net income
- $7.44M
- first half of 2026
- Return on assets
- 1.08%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 11492
- Main office
- Raton, NM
- Holding company
- Inbankshares Corp
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 04/09/1918
- FDIC insured since
- 01/01/1934
- U.S. offices
- 16
- Employees (full-time equivalent)
- 156
- Specialty
- Commercial Lending Specialization
- Website
- www.inbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.35B | $1.36B | $1.41B | $1.44B | $1.37B | $1.4B | $1.31B | $1.35B |
| Deposits | $1.11B | $1.15B | $1.15B | $1.18B | $1.18B | $1.21B | $1.13B | $1.16B |
| Net loans and leases | $927M | $938.6M | $964.2M | $992.8M | $946.1M | $920.6M | $902.4M | $928M |
| Securities | $257.7M | $256.7M | $268.3M | $275.3M | $312.5M | $300M | $299.1M | $282.9M |
| Equity capital | $170.9M | $167.7M | $164.4M | $164.9M | $161.8M | $158.8M | $155.3M | $153M |
| Net income (year to date) | $7.44M | $3.75M | $7.56M | $8.18M | $5.78M | $2.81M | $11.3M | $7.85M |
| Return on assets | 1.08% | 1.08% | 0.55% | 0.79% | 0.85% | 0.83% | 0.85% | 0.78% |
| Return on equity | 8.88% | 9.03% | 4.69% | 6.81% | 7.29% | 7.16% | 7.58% | 7.09% |
| Net interest margin | 4.02% | 4.00% | 3.90% | 3.83% | 3.77% | 3.77% | 3.68% | 3.62% |
| Efficiency ratio | 56.9% | 57.7% | 61.9% | 64.3% | 66.9% | 67.9% | 67.0% | 68.1% |
| Noncurrent loans | 1.33% | 0.88% | 0.48% | 0.76% | 1.04% | 1.12% | 1.17% | 1.01% |
| Net charge-off rate | 0.76% | 0.67% | 0.89% | 0.17% | 0.06% | 0.00% | 0.13% | 0.03% |
| Leverage (core capital) ratio | 11.46% | 10.99% | 10.38% | 10.71% | 10.59% | 10.70% | 10.60% | 10.28% |
| Total risk-based capital ratio | 15.40% | 14.96% | 14.12% | 13.82% | 14.17% | 13.99% | 13.79% | 13.33% |
Assets fell 1.6% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$670.1M72.3%
- Commercial and industrial loans$246M26.5%
- Consumer loans$1.53M0.2%
Find bank branches in New Mexico · Employees: 156
Frequently asked questions
- What is InBank's FDIC certificate number?
- InBank's FDIC certificate number is 11492.
- How big is InBank?
- InBank reported total assets of $1.35B and deposits of $1.11B as of Q2 2026.
- Is InBank FDIC insured?
- Yes. InBank has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026