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Inbank

Raton, NM · Cert 11492 · Inbankshares Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Inbank

Raton, NM · Cert 11492 · Inbankshares Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.4BAssets
$942.7MLoans
$1.1BDeposits
$170.9MEquity
Loan mix
72%RE $673.4M27%C&I $254.5M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $790.5M29%Noninterest $322.0MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.24%Q2 ’255.52%Q2 ’26+1%+10%

Non-interest income vs. expense

3.00%Q2 ’242.80%Q2 ’252.59%Q2 ’26+1%-11%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.3% share · #24 of 68 inst. · $0.4B of $113.6B

70.4% Colfax
1.3% Arapahoe
7.5% Pueblo
1.0% Boulder

Executive Summary

  • Earnings: ROA of 1.08%, up 23 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 1.31% of loans (+29 bps YoY), with net charge-offs at 0.77%.
  • Capital: tier 1 leverage ratio of 11.46%, up 86 bps from a year ago.
  • Funding: loans stand at 84.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+35 bps YoY

Efficiency Ratio (YTD, annualized)

56.88%-1,000 bps YoY

Tier 1 Leverage Ratio

11.46%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.79%0.55%1.08%1.08%+23 bps
Return on Equity7.29%6.81%4.69%9.03%8.88%+159 bps
Net Interest Margin3.55%3.65%3.61%3.84%3.90%+35 bps
Efficiency Ratio66.88%64.33%61.85%57.71%56.88%-1,000 bps
Non-Interest Burden2.25%2.20%2.06%2.04%2.00%-25 bps
Growth
Asset Growth (YoY)2.35%6.36%7.35%-2.71%-1.64%-399 bps
Loan Growth (YoY)0.05%7.10%7.18%2.26%-1.71%-176 bps
Deposit Growth (YoY)5.62%1.65%1.29%-5.33%-6.06%-1,168 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.75%0.47%0.87%1.31%+29 bps
Net Charge-Offs / Loans0.06%0.16%0.87%0.68%0.77%+71 bps
Allowance / Loans1.36%1.48%1.64%1.65%1.67%+31 bps
Allowance Coverage of NPLs1.3x2.0x3.5x1.9x1.3x-0.1x
Capital
Tier 1 Leverage Ratio10.59%10.71%10.38%10.99%11.46%+86 bps
Total Risk-Based Capital14.17%13.82%14.12%14.96%15.40%+123 bps
Equity / Assets11.78%11.46%11.65%12.32%12.66%+87 bps
Liquidity & Funding
Loans / Deposits80.99%85.19%85.53%83.15%84.74%+375 bps
Liquid Assets / Assets11.94%15.15%16.12%15.40%15.45%+351 bps
CRE / Total Capitaln/a425%433%398%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Inbank

Raton, NM · Cert 11492 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Inbankshares Corp.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.4BAssets
$942.7MLoans
$1.1BDeposits
$170.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets operating regionally (rank 26 of 176).
  • Widest gap: net charge-offs / loans trails 95% of banks $1B-$10B in assets operating regionally (rank 168 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.10%

Rank 108 of 176

Net Interest Margin

3.90%

Rank 47 of 176

Efficiency Ratio

58.45%

Rank 79 of 176

Equity / Assets

12.66%

Rank 26 of 176

Non-interest income vs. expense

$8.0M$35.2MINCOMEEXPENSE
Unfavorable gap of $27.1M · efficiency ratio beats 56% of banks $1B-$10B in assets operating regionally
Bank 58.45%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.93%1.26%1.54%Beats 39%108 / 176
Return on Equity8.71%9.26%11.89%14.46%Beats 20%141 / 176
Net Interest Margin3.90%3.25%3.59%3.93%Beats 73%47 / 176
Efficiency Ratio58.45%52.79%59.55%67.66%Beats 56%79 / 176
Asset Quality
Nonperforming Loans / Loans1.31%0.30%0.64%1.32%Beats 26%132 / 176
Net Charge-Offs / Loans0.43%0.01%0.04%0.10%Beats 5%168 / 176
Capital
Tier 1 Capital Ratio14.15%11.15%12.72%14.15%Beats 75%44 / 176
Total Risk-Based Capital Ratio15.40%11.81%13.63%15.33%Beats 76%42 / 176
Equity / Assets12.66%9.16%10.35%11.80%Beats 85%26 / 176
Liquidity & Funding
Loans / Deposits84.74%80.94%89.73%97.21%35th pctl114 / 176
Loans / Assets69.81%69.25%75.12%80.82%27th pctl128 / 176
Brokered Deposits / Depositsn/aNot reported for this institution