# INBANK
RATON, NM · FDIC certificate 11492 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.35B | |
| Deposits | $1.11B | |
| Loans and leases | $942.7M | |
| Total equity | $170.9M | |
| Loans / deposits | 83.33% (p41 of band) | 87.10% |
| Liquid assets / assets | 26.56% (p68 of band) | |
| Uninsured deposits / deposits | 39.87% (p73 of band) | 30.76% |
| Brokered deposits | 7.20% | |
| Wholesale funding | 11.43% (p70 of band) | |
| FHLB advances / assets | 4.22% | |
| Tier 1 leverage | 11.46% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -9.22% (p43 of band) | -7.75% |
| AOCI / equity | -0.10% (p67 of band) | |
| ROA (annualized) | 1.08% (p36 of band) | 1.26% |
| Net interest margin | 4.02% (p70 of band) | 3.70% |
| Efficiency ratio | 56.88% (p43 of band) | |
| Noncurrent loans | 1.31% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | 0.53% (p95 of band) | |
| Reserve coverage of noncurrent | 126.96% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 27.02% (p26 of band) | |
| Auto loans | $278,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | charge-offs p90 |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 3 | assets shrinking | charge-offs p90 |
| 2014-03 | 3 | losing money | assets shrinking |
| 2014-06 | 2 |  | losing money |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 3 |  | uninsured deposits leaving |
| 2017-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2018-09 | 4 | expense ratio p90, noncurrent p90 |  |
| 2018-12 | 6 | capital falling, losing money |  |
| 2019-03 | 4 |  | NIM <2.5%, noncurrent p90 |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2020-03 | 5 | capital falling, deposits shrinking |  |
| 2020-06 | 4 | reserve under noncurrent | losing money, deposits shrinking |
| 2020-09 | 3 |  | reserve under noncurrent |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | expense ratio p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, reserve under noncurrent |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 2 | deposits shrinking |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [FNBO to acquire Colorado bank in $204M deal - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcnJYZkl5RFlGWkF0cWdFdW8zV215NkQyTHRnVmpWMC1XU2hMdWllWWRIT0pOaWYxNlNXTUFNOUcwMzdiTjdQVnQ5aHNPN05PTFdKMjNfQXd3VDZRUGZ1UFhmeWg5Wm1CaXlvT3Q2V3J2NHVKZkYtcTEwNm5Dc2pIaGNMX0Y4Ymh2QmNCenJPbWZEaXAxd3dz?oc=5) · Banking Dive
- 2026-09-04 [RiNo’s InBank being acquired by Nebraska bank - The Denver Post](https://news.google.com/rss/articles/CBMidEFVX3lxTE9VVUZESGRJbW1OUFFBcmhMZVV5ZkNtaEpCb3dURkpwSmhyNnlxN0ZsdEQtZHZ2R3pfYmgwOHdkTUwtZ1dkYTRoNHhoN01pNXZDTHdWdEZFWnRWWXZrMUFDRnI4QW9VOXRUSi1pT09ldnM3MDlz?oc=5) · The Denver Post
- 2026-09-02 [Denver-based InBank to be acquired by out-of-state institution - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQnhTV1phNW9sV21aclJpTFNEMV91eUFEQXpIYy1iNld3X2JNU3hTLW1oT2k5TjdLV0xHb1cxczlyVUdRT2NFTWMtR3RmWWdjWjZKek1lNnpQSmZwRGFRMFZhaFdEM3ZaSkxkWC1rRkw2aWRDSVlaNlJ1MnlyVk1fVVhLbzlINWhjWFdlNDZTbmRBZw?oc=5) · The Business Journals
- 2025-08-01 [InBank Breaks Ground for Bank Building in South Raton - KRTN](https://news.google.com/rss/articles/CBMimwFBVV95cUxQRmxHX3lsLThEMFBTQVlaMkN6VDZ6Q1BiM0hpeU9ROG5yRENWR09NRlNwMHRxNm14ZkpmMjR5dW5NdTFRbWZvWDduRTI3bll2ek4yVTYwRFBGLXNPNXFNOXQzQURKaEJYS0w0NmE1bXdJd1JDM0V6cTF1MTcwOVBCLWZZemxCMW1jT1pUYnNPeXQ5cWNDeGdLVVBUWQ?oc=5) · KRTN
- 2026-09-02 [FNBO to Acquire InBank for Up to $204M, Expand Colorado Footprint - citybiz](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZllRaG0zLWJKOGtYRjhJb3NHMWtzd0hDeHQ3b2Y1TEVYUmgzTEtsUHhsc2xrdnN1aHJLcEVhaUdQNF9kaG95T2R5eVBoLXdGZ2RIc0J1WUJLWjNuTXhKLWZxN29uVzA1OXIxYlVHRFpWQjRUTzY3eGRUZGJHMEJCVklnVUZKQ0JoNVM3TzdDbkJLTUx0RndYcDAzem1TcmVnZVB5VQ?oc=5) · citybiz
- 2021-12-02 [A larger, lasting Legacy: Legacy Bank to merge with InBank - Pueblo Chieftain](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbU9xQ3V1OFItdHlKTEFLLW9RLTFOMXRsUzRndGdQZ2tpNkcxSzhKcEJDNFVGeC1Nd252Nlg5TDRBcGtNSHJXSnNIcGkxN05JTm1HVjBtdXk1UzE0Y25wRGhLeXQyY2ZwMmh1d2FFWmpJcmQ2THNZaGw1Y0h4Wm9URFVNUm1BbzdqQ2dYUXM2ZmhoQlphQlB1ZWI4MGxWV1V0b2hkaW9aRlhOY0luTkxoajRWWE5iZG5KQmUtWk56Z3otZw?oc=5) · Pueblo Chieftain
- 2024-03-06 [Portillos Named InBank Raton Market President - KRTN](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWmp3NE84UEd4QVNQdUFpTkZvNlNtNWlaeVlmcDlVTG4zVXhoZnRSNjhsYkZKYTBfSTdqRjBxc1pZbnU2Q1F5c0VFOWdsNmo2OVRMNXVHRl9OUHZhd201eUxiNk1JSUF3ZWFzcVZJdndJM0ZHdUdWOWJ6MVE5UVNkYlpkOUJOUQ?oc=5) · KRTN
- 2021-12-02 [InBank Merger With Legacy Bank Announced - KRTN](https://news.google.com/rss/articles/CBMif0FVX3lxTFBLVEVHVTVYQ0libHRvak1mamQzREJYY2c5LUFwT2hYMG5TQ2htRDg0dXZ4UGpPblBSVWRvM21URzIzNHhNWm5udVlIRVN0WGljRVg1RkFVSXN4ZG9haGVvV2R6SHZURXBVbExNbXdjX0NvYzRSenAwTDl1QTRaZHM?oc=5) · KRTN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11492 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "11492", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide