Compared with New Mexico
13 of 17
compared fees are above the median.
2 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
72nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the New Mexico median
of 17 compared; 2 below, 2 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for InBank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | InBank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.3% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (72nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $502K in Q2 2026, 16% above the same quarter a year earlier ($433K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 17 compared published fees sit above the New Mexico median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Mexico medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
InBank Personal Checking $5 · InBank Interest Checking $8 · InBank Timeless Checking $10
Compared at $8, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.9% from Q3 2025 to Q2 2026, to $502K. Its share of revenue, 3.3%, is above the 2.2% median for banks with $1B to $10B in assets.
$502K
InBankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
InBank · $1.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| InBank(this institution) | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Adams Bank & Trust | Ogallala, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Bank | Sulphur Springs, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central National Bank | Junction City, KS | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Bank | Benton, KY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| County National Bank | Hillsdale, MI | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Alabama | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fm Bank And Trust | Blytheville, AR | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Piedmont Federal Savings Bank | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank - Wyoming | Cody, WY | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Plains Commerce Bank | Sioux Falls, SD | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sabine State Bank and Trust Company | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Security Bank | Dallas, TX | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its three prices, against a peer median of $8 among 18 publishing peers.
Its three checking prices are $5, $8 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for InBank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $502K | +$20K | +4.1% |
| Q1 2026 | $482K | −$26K | −5.1% |
| Q4 2025 | $508K | +$20K | +4.1% |
| Q3 2025 | $488K | +$55K | +12.7% |
| Q2 2025 | $433K | −$8K | −1.8% |
| Q1 2025 | $441K | −$15K | −3.3% |
| Q4 2024 | $456K | +$5K | +1.1% |
| Q3 2024 | $451K | +$20K | +4.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, InBank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to InBank by share.
Amounts from InBank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| InBank Interest Checking Monthly Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| InBank Personal Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| InBank Timeless Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure (within 90 days of opening) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where InBank operates, and what regulators and customers have on file.
Branch footprint
15 offices in 2 states, $1.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $414.4M |
| 2 | $361.8M | |
| 4 | $167.7M | |
| 1 | $110.2M | |
| 2 | $58.4M |
Denver-Aurora-Centennial, CO
0.3% of bank deposits, #24 of 68, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 21.2% |
| JPMorgan Chase Bank, National Association | 15.2% |
| U.S. Bank National Association | 13.4% |
| PNC Bank, National Association | 13.4% |
| UMB Bank, National Association | 4.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Denver-Aurora-Centennial, CO, InBank holds 0.3% of bank deposits, #24 of 68, with 2 offices.
The fee comparison uses its home metro, Pueblo, CO.
763 offices of 109 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 68 institutions shown. $113.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.3% share, 2 offices, #24 of 68
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
182 offices of 41 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts