InBank
Raton, New Mexico, Colfax County
$1.4B in total assets, the 836th largest of 4,309 US banks and 3rd of 29 headquartered in New Mexico.
- FDIC certificate
- 11492
- Established
- 1918
- Owned by
- Inbankshares Corp
- Primary regulator
- FDIC
- Website
- www.inbank.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 26% | $2.0B | |
| Loans | $943M | 28% | $1.4B | |
| Deposits | $1.1B | 24% | $1.7B | |
| Return on assets | 0.66% | 14% | 1.23% | |
| Net interest margin | 4.02% | 69% | 3.71% | |
| Efficiency ratio | 56.9% | 42% | 59.1% | |
| Equity to assets | 12.66% | 82% | 10.38% | |
| Loans to deposits | 85% | 41% | 88% |
Growth
Total assets grew 13.9% a year over the last 5 years and 16.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2022 | Legacy Bank Wiley, CO | $484M |
| May 2009 | International Bank Greeley, CO | $78M |
Where they operate
15 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Colfax County, NM | $319M | 70.4% | 1 of 3 |
| Arapahoe County, CO | $255M | 1.3% | 13 of 36 |
| Pueblo County, CO | $168M | 7.5% | 6 of 13 |
| Boulder County, CO | $110M | 1.0% | 18 of 32 |
| Denver County, CO | $107M | 0.2% | 31 of 45 |
| Las Animas County, CO | $70M | 19.6% | 2 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (7 to 15, +114.3%). 4 opened, 11 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2019 | Opened Greenwood Village | 1 | 0 | +1 | 8 |
| 2022 | Acquired Legacy Bank | 11 | 0 | +11 | 19 |
| 2023 | Opened BoulderClosed Aurora | 1 | 1 | 0 | 19 |
| 2024 | Opened Denver | 1 | 0 | +1 | 20 |
| 2025 | Opened SuperiorClosed Boulder and Pueblo | 1 | 2 | −1 | 19 |
| 2026 through Q2 | Sold 3 branches to The Colorado Bank and Trust Company of La JuntaClosed Raton | 0 | 4 | −4 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 56% | 32% | |
| Business (C&I) | 26% | 14% | |
| 1-4 family residential | 7% | 25% | |
| Construction and land | 5% | 8% | |
| Multifamily | 2% | 8% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 2% | |
| Consumer | 0% | 4% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 52% | |
| Noninterest-bearing | 29% | 21% | |
| Time deposits | 21% | 27% |
Brokered deposits are 8.7% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.31% | 0.51% |
| Net charge-offs, annualized | 0.76% | 0.04% |
| Reserves to loans | 1.67% | 1.15% |
| Leverage ratio | 11.46% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New Mexico
Largest competitors in Colfax County, NM
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/inbank