InBank: how it compares with its peers
Against 8 NM banks with half to twice its assets, InBank's strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $8.2M peer median). Its weakest relative measure is return on assets (1.08% vs. 2.21%).
| Measure | InBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 2.21% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 4.65% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.88% | 50.86% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $8.2M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.33% | 69.15% | Context |
What it means for lending operations
Its efficiency ratio of 56.88% is above the 50.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Century Bank Santa Fe, NM · $1.36B
- Citizens Bank of Las Cruces Las Cruces, NM · $1.17B
- Pioneer Bank Roswell, NM · $1.09B
- CNB Bank Carlsbad, NM · $1.07B
- Western Commerce Bank Carlsbad, NM · $864M
- The Citizens Bank Farmington, NM · $804M
Questions about InBank
How big is InBank?
InBank, established in 1918, is headquartered in Raton, NM. It reported $1.35B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is InBank's return on assets?
1.08% annualized in Q2 2026, against a 2.21% median for 8 NM banks with half to twice its assets, ahead of 13% of them.
What is InBank's efficiency ratio?
56.88% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 50.86%, and lower is better.
Is InBank growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 6.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.