InBank
Raton, NM
IDRSSD: 209858
Total Assets
$1.41B
Latest filing
Total Deposits
$1.15B
Latest filing
Net Interest Margin
4.03%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
102200245RATON, NM
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
InBank
200 S 2nd St
Raton, NM 87740
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/09/1918FDIC Certificate 7347
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| InBank (Main) | 200 S 2nd St | Raton, NM |
| CIMARRON BRANCH | 31062 Highway 64 | Cimarron, NM |
| ANGEL FIRE BRANCH | 9 N Angel Fire Rd | Angel Fire, NM |
| SPRINGER BRANCH | 419 Maxwell Ave | Springer, NM |
| MOBILE BRANCH | 945 Tenderfoot Hill Rd | Colorado Springs, CO |
| PUEBLO WEST BRANCH | 7 E Spaulding Ave | Pueblo West, CO |
| CANON CITY BRANCH | 1010 Royal Gorge Blvd | Canon City, CO |
| COLORADO SPRINGS BRANCH | 1580 E Cheyenne Mountain Blvd | Colorado Springs, CO |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/09/1918 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 87740 |
| State and County Number | 35007 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 161 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/07/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.inbank.com |
| Data Updated | 01/30/2026 |
| CERT | 11492 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.41B |
| Total Deposits | $1.15B |
| Total Liabilities | $1.25B |
| Total Equity Capital | $164.38M |
| Net Income | $-620,000 |
| Net Loans and Leases | $964.17M |
| Assets Per Employee ($Millions) | $9.53M |
| Bank Premises and Fixed Assets | $12.14M |
| Cash and Balances due from Depository Institutions | $113.37M |
| Deposits Held in Domestic Offices | $1.15B |
Key Performance Ratios
| Return on Assets (ROA) | -0.17% |
| Return on Equity (ROE) | -1.51% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 55.28% |
| Tier 1 Risk-Based Capital Ratio | 12.863% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.651% |
| Earning Assets to total Assets | 94.37% |
Income and Expense
| Total Interest Income | $19.87M |
| Total Noninterest Income | $2.76M |
| Total Interest Expense | $6.34M |
| Total Noninterest Expense | $9.29M |
| Net Interest Income | $13.53M |
| Pre-tax Net Operating Income | $-1,094,000 |
| Provision for Credit Losses | $8.10M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.27M |
| Other borrowed funds | $89.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $443.00k |
| All Other Liabilities | $9.91M |
| Total Liabilities and Capital | $1.41B |
Securities
| Securities | $268.33M |
| Available-for-sale debt securities | $138.68M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $129.57M |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.05M |
| Trading Liabilities | $1.02M |
Frequently Asked Questions
What are the total assets of InBank?
$1.41B as of the latest filing.
How much are InBank's total deposits?
$1.15B in total deposits.
Where is InBank located?
Raton, NM.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
20.
When was it established?
04/09/1918.
What is the Return on Assets (ROA)?
-0.17%.
How much are total loans and leases?
$964.17M (latest filing).
What is the total interest income (latest filing)?
$19.87M.