Raton, NM · Cert 11492 · Inbankshares Corp.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.3% share · #24 of 68 inst. · $0.4B of $113.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.85% | 0.83% | 0.85% | 0.79% | 0.55% | 1.08% | 1.08% | +23 bps | |
| Return on Equity | 7.10% | 7.58% | 7.16% | 7.29% | 6.81% | 4.69% | 9.03% | 8.88% | +159 bps | |
| Net Interest Margin | 3.47% | 3.53% | 3.66% | 3.55% | 3.65% | 3.61% | 3.84% | 3.90% | +35 bps | |
| Efficiency Ratio | 68.10% | 67.03% | 67.92% | 66.88% | 64.33% | 61.85% | 57.71% | 56.88% | -1,000 bps | |
| Non-Interest Burden | 2.19% | 2.19% | 2.36% | 2.25% | 2.20% | 2.06% | 2.04% | 2.00% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | -1.89% | 5.43% | 2.35% | 6.36% | 7.35% | -2.71% | -1.64% | -399 bps | |
| Loan Growth (YoY) | 4.33% | 1.37% | -0.14% | 0.05% | 7.10% | 7.18% | 2.26% | -1.71% | -176 bps | |
| Deposit Growth (YoY) | 11.50% | -2.42% | 7.27% | 5.62% | 1.65% | 1.29% | -5.33% | -6.06% | -1,168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 1.15% | 1.10% | 1.02% | 0.75% | 0.47% | 0.87% | 1.31% | +29 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.14% | 0.00% | 0.06% | 0.16% | 0.87% | 0.68% | 0.77% | +71 bps | |
| Allowance / Loans | 1.37% | 1.33% | 1.36% | 1.36% | 1.48% | 1.64% | 1.65% | 1.67% | +31 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.2x | 1.2x | 1.3x | 2.0x | 3.5x | 1.9x | 1.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.60% | 10.70% | 10.59% | 10.71% | 10.38% | 10.99% | 11.46% | +86 bps | |
| Total Risk-Based Capital | 13.33% | 13.79% | 13.99% | 14.17% | 13.82% | 14.12% | 14.96% | 15.40% | +123 bps | |
| Equity / Assets | 11.31% | 11.82% | 11.35% | 11.78% | 11.46% | 11.65% | 12.32% | 12.66% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.85% | 80.83% | 76.97% | 80.99% | 85.19% | 85.53% | 83.15% | 84.74% | +375 bps | |
| Liquid Assets / Assets | 13.58% | 12.35% | 15.98% | 11.94% | 15.15% | 16.12% | 15.40% | 15.45% | +351 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 425% | 433% | 398% | n/a | n/a | |