BlastPoint's Banking Scorecard

InBank

$1B-$10B Specialty: Commercial NM FDIC cert 11492

Designations: ✓ Community bank

Raton, NM

16 branches across CO · NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 6 in NM.
Deposits -6.1% year over year ($1.1B on the books).
Delinquency rate 1.33%.
Return on assets 1.08%.
Efficiency ratio 56.88% vs a 59.73% peer average.
Loan-to-deposit ratio 83.33% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 6 in NM

View $1B-$10B leaderboard (NM) →

InBank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 2.85% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 5.3% in tier
- Flatlined Growth: Bottom 18.5% in tier
- ROA 0.31% below tier average
- Delinquency Rate 0.47% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$1.4B -1.6% YoY -0.8% QoQ	-$1.4B	$2.8B -0.6% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$927.0M -2.0% YoY -1.2% QoQ	-$1.0B	$2.0B -0.3% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	27%
Total Deposits ?	$1.1B -6.1% YoY -3.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.08% +27.6% YoY +0.1% QoQ	-0.31%	1.39% +17.0% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	4.02% +6.8% YoY +0.5% QoQ	+0.15%	3.87% +6.2% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	56.88% -14.9% YoY -1.4% QoQ	-2.85%	59.73% -12.6% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	1.33% +28.6% YoY +51.3% QoQ	+0.47%	0.87% +11.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	83.33% +4.3% YoY +1.9% QoQ	-1.71%	85.04% -0.1% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	28.94% -4.2% YoY -5.4% QoQ	+7.67%	21.27% -1.5% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.97% -1.8% YoY +45.9% QoQ	+0.30%	0.67% +11.7% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	14.15% +9.4% YoY +3.2% QoQ	-0.69%	14.84% -0.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.30% +6.8% YoY +130.3% QoQ	-0.23%	0.53% +2.5% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	28.9% -1.3pp YoY -1.6pp QoQ	+7.6pp	21.4%	34.1%	22.2%	82%
Brokered Deposits	8.7% +1.1pp YoY +0.1pp QoQ	-0.7pp	9.5%	5.2%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	26.5% -0.5pp YoY -0.6pp QoQ	+12.5pp	14.0%	20.2%	12.5%	88%
CRE	63.9% +2.9pp YoY +0.5pp QoQ	+13.9pp	50.0%	50.8%	41.4%	82%
1-4 Family	7.5% -0.5pp YoY +0.1pp QoQ	-18.9pp	26.4%	20.2%	31.3%	10%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	3.8%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	14.2% +1.2pp YoY +0.4pp QoQ	-1.4pp	15.6%	26.0%	19.7%	61%
Leverage Ratio	11.5% +0.9pp YoY +0.5pp QoQ	+0.1pp	11.3%	13.9%	12.6%	68%
Total Capital Ratio	15.4% +1.2pp YoY +0.4pp QoQ	-1.3pp	16.7%	27.1%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	156 -14 (-8.2%) YoY +9 (+6.1%) QoQ	-158	313	75	482	24%
Assets per Employee ($)	$8.7M +7.2% YoY -6.5% QoQ	-$1.8M	$10.5M	$7.6M	$8.8M	50%
Branch Count	16 -3 (-15.8%) YoY 0 QoQ	-4	20	6	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.3% +0.3pp YoY +0.5pp QoQ	+0.5pp	0.8%	1.1%	1.0%	82%
Allowance Coverage	1.27x -4.3% YoY -33.4% QoQ	-17.44x	18.71x	56.44x	20.23x	32%
Net Charge-off Rate (YTD)	0.8% +0.7pp YoY +0.1pp QoQ	+0.5pp	0.3%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	8.9% +1.6pp YoY -0.1pp QoQ	-3.7pp	12.6%	18.9%	11.6%	25%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.0%	1.7%	41%
Net Income ($, YTD)	$7.4M +28.8% YoY — QoQ	-$11.8M	$19.2M	$5.6M	$40.4M	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#8 of 131 • Bottom 5.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#31 of 162 • Bottom 18.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.08%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

156

Non-Interest-Bearing Deposit Share

funding

Value: 28.94%

Peer Median: 21.27%

#156 of 885 Top 17.5% in $1B-$10B

Top Weaknesses (3 metrics)

706

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.87%

#706 of 882 Bottom 20.1% in $1B-$10B

687

Nonperforming Asset Ratio

credit_quality

Value: 0.97%

Peer Median: 0.67%

#687 of 885 Bottom 22.5% in $1B-$10B

675

Total Deposits

size

Value: $1.11B

Peer Median: $2.32B

#675 of 885 Bottom 23.8% in $1B-$10B