Inbank
Raton, New Mexico · FDIC Cert #11492
Inbank is an FDIC-insured bank (Certificate #11492) with $1.3B in total assets and $1.1B in total deposits as of the Q2 2024 Call Report. Headquartered in Raton, New Mexico, the bank maintains a Tier 1 capital ratio of 11.80% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Inbank (FDIC cert 11492) is a mid-sized bank with $1.3B in total assets and $1.1B in deposits, based in Raton, New Mexico. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.80% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.95% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Inbank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Inbank
- Total Assets
- $1.3B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 11.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 24.17%
- Return on Assets
- 0.95%
- Headquarters
- Raton, New Mexico
- FDIC Certificate
- #11492
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Inbank holds a Tier 1 capital ratio of 11.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Inbank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Inbank shows strong financial health indicators. With $1.3B in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Inbank Compares
Inbank’s Health Score of 78 is 4 points above the New Mexico state average of 74 across 20 FDIC-insured banks. Its 11.80% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.95% is below the national ROA benchmark of ~1.1%. Among 831 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Inbank is 8 points above the portfolio average of 70.
Frequently Asked Questions
Inbank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Inbank's Tier 1 capital ratio of 11.80% and nonperforming loan ratio of 0.60% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Inbank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11492). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Inbank holds $1.3B in total assets and $1.1B in total deposits. It is headquartered in Raton, New Mexico (FDIC Certificate #11492).
Inbank has a Tier 1 capital ratio of 11.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 0.95%.
Yes. Inbank is FDIC-insured (Certificate #11492). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Inbank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.