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
Unfavorable gap of $27.1M · efficiency ratio beats 56% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.93% | 1.26% | 1.54% | Beats 39% | 108 / 176 | | |
| Return on Equity | 8.71% | 9.26% | 11.89% | 14.46% | Beats 20% | 141 / 176 | | |
| Net Interest Margin | 3.90% | 3.25% | 3.59% | 3.93% | Beats 73% | 47 / 176 | | |
| Efficiency Ratio | 58.45% | 52.79% | 59.55% | 67.66% | Beats 56% | 79 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.31% | 0.30% | 0.64% | 1.32% | Beats 26% | 132 / 176 | | |
| Net Charge-Offs / Loans | 0.43% | 0.01% | 0.04% | 0.10% | Beats 5% | 168 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 14.15% | 11.15% | 12.72% | 14.15% | Beats 75% | 44 / 176 | | |
| Total Risk-Based Capital Ratio | 15.40% | 11.81% | 13.63% | 15.33% | Beats 76% | 42 / 176 | | |
| Equity / Assets | 12.66% | 9.16% | 10.35% | 11.80% | Beats 85% | 26 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.74% | 80.94% | 89.73% | 97.21% | 35th pctl | 114 / 176 | | |
| Loans / Assets | 69.81% | 69.25% | 75.12% | 80.82% | 27th pctl | 128 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |