FDIC Cert #11492 · Raton, New Mexico · Est. 1918

InBank - FDIC Bank Health Profile

A community-scale look at InBank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
B
Health grade · Good
0.55%
Return on assets
12.9%
Tier 1 capital

Data updated July 2026

The verdict

InBank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.86% Tier 1, 0.55% ROA, 62% efficiency ratio.

#788
largest of 4,313 FDIC banks by assets
82nd
percentile by asset size, nationally
12.86%
Tier 1 ratio - above the 10% well-capitalized line
17th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 11492 · NM B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2321/4307
  • PHOTO-FINISH Thayer County Bank · NE
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-THIN 0.55% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Thayer County Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around InBank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Alliance Bank · MN · near77/100Availa Bank · IA · near77/100Hustisford State Bank · WI ·…77/100InBank · NM · this bank77/100Thayer County Bank · NE · ne…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around InBank · July 2026

What InBank's Call Report plate shows

InBank (FDIC Cert #11492) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,321 of 4,307. Tier 1 capital prints at 12.86%, clearing the 10% well-capitalized line. The Texas Ratio is 2.57%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $1.4B, 788th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Thayer County Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around InBank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

InBank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; InBank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How InBank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
InBank's composite health score
Tier 1 Capital Ratio (12.86%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (2.57%) 20/20
Efficiency Ratio (61.85%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$964M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.46% 12.86% 14.26%
Basel III capital ratios - InBank

Where InBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. InBank's score of 77/100 falls in the highlighted band.

InBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. InBank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

InBank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). InBank's $1.4B falls in the highlighted band.

Safety ratios for InBank

Tier 1 capital ratio
Well-capitalized 10%

12.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.86%
Texas Ratio
2.57%
Equity Capital
$164M

What these ratios mean →

Profitability metrics: InBank

Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
4.69%
Efficiency Ratio
61.85%

What these mean →

Income & expense at InBank

$75M
Interest Income
$9M
Non-Interest Income
$38M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. InBank reports a Texas Ratio of 2.57% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View InBank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside New Mexico so the neighborhood is not state containment.

Community Financial Services Bank $1.4B · KY Central National Bank $1.4B · KS Peoples Bank of Alabama $1.4B · AL Truxton Trust Company $1.4B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) InBank (FDIC Cert #11492) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

InBank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
First American BankArtesia $1.8B A 2.74%
Century BankSanta Fe $1.3B B 0.62%
Citizens Bank of Las CrucesLas Cruces $1.1B A 2.25%
Pioneer BankRoswell $1.1B A 2.19%
CNB BankCarlsbad $989M B 2.16%
Western Commerce BankCarlsbad $867M A 3.17%
The Citizens BankFarmington $774M A 2.07%
Lea County State BankHobbs $708M A 1.63%