1.08%
+30.5%y/y
Peer standing43rd percentile
FDIC
NETINC + ROAI
InBank
Raton, New MexicoFDIC Cert #11492
STATEEstablished 191817 branches
Holding company: INBANKSHARES CORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
9.03%
+26.1%y/y
Peer standing32nd percentile
FDIC
NETINC + ROE1.38%
+29.6%y/y
Peer standing47th percentile
FDIC
PTAXNETINC + ASSET4.00%
+6.0%y/y
Peer standing71st percentile
FDIC
NIM + NIMY5.79%
+3.6%y/y
Peer standing65th percentile
FDIC
INTINCY2.93%
+9.3%y/y
Peer standing34th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
57.71%
−15.0%y/y
Peer standing61st percentile
FDIC
NONIX + NIM + NONII + EEFFR2.54%
−12.3%y/y
Peer standing46th percentile
FDIC
NONIX + ASSET11.82%
−14.4%y/y
Percentile by value41st percentileby value
FDIC
NONII + NIM−2.71%
−150.0%y/y
Percentile by value7th percentileby value
FDIC
ASSET−5.33%
−173.3%y/y
Percentile by value4th percentileby value
FDIC
DEP+1.96%
+846.4%y/y
Percentile by value27th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.03%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.00%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.71%61st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−5.33%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+1.96%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.87%31st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.99%59th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.93%34th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC229%51st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%11th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.05%Median 1.95%90th 2.96%Observations 29
ROE
FDIC
NETINC + ROE9.03%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.59%Median 22.59%90th 29.01%Observations 29
NIM
FDIC
NIM + NIMY4.00%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.44%Median 4.27%90th 5.29%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.71%36th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.29%Median 53.44%90th 77.91%Observations 29
Deposits YoY
FDIC
DEP−5.33%18th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.74%Median +2.16%90th +11.06%Observations 29
Loans YoY
FDIC
LNLSNET+1.96%37th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.82%Median +5.78%90th +16.27%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.87%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.61%90th 2.47%Observations 28
Leverage
FDIC
RBC1AAJ10.99%57th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.83%90th 14.22%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.93%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.86%Median 1.62%90th 2.77%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC229%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 126%90th 255%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.08%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.96%Median 2.24%90th 2.69%Observations 5
ROE
FDIC
NETINC + ROE9.03%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.44%Median 22.59%90th 26.45%Observations 5
NIM
FDIC
NIM + NIMY4.00%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 4.11%Median 4.74%90th 4.88%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.71%25th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.21%Median 53.44%90th 70.59%Observations 5
Deposits YoY
FDIC
DEP−5.33%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.14%Median −2.98%90th +5.45%Observations 5
Loans YoY
FDIC
LNLSNET+1.96%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.63%Median +7.13%90th +17.94%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.87%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.44%Median 0.87%90th 1.80%Observations 5
Leverage
FDIC
RBC1AAJ10.99%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.24%Median 10.99%90th 11.71%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.93%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.37%Median 1.66%90th 2.48%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC229%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 195%Median 235%90th 339%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.