Investor Presentaiton
Footprint
Overview of In Bankshares, Corp
Emphasis on capturing market share along the Colorado
Front Range, while maintaining dominant market share
in Southern Colorado and Northern New Mexico
Focused on developing commercial relationships,
technology solutions, and local decision making
Bank Name
Headquarters
Company Snapshot
InBank
Greenwood Village, CO
Dinosaur
National
lonument
130
Routt National
Forest
13
White River
National Forest
Grand Junction
Exchange/Ticker
Market Cap. ($MM) 1
Shares Outstanding 2
Year Founded
Offices
OTCQX: INBC
$90.9
11,729,066
2018
Financial Highlights
at or for the quarter ended September 30, 2023
18
Uncompahgre
National Forest
IN
°
Fort Collins
Greeley
Longmont
Boulder
IN
NDenver
IN
Colorado
Springs
Metro Markets
People-centric vs branch-centric
The strategy is to be the premier
business bank in the metro area for
businesses with $1 - $100 million
in revenue
Full relationship bank - business,
business owners, management,
and employees
85
Colorado
San Is N
National Forest
IN
N
17
NNPueblo
NN
IN
N
Rio Grande
National Forest
10
IN
N
N
401
25
550
Carson National
Forest
N
N
N
Total Assets
$1.29 Billion
Gross Loans HFI
$901.7 Million
Deposits
$1.04 Billion
ROAA
ROAE
NIM
0.77%
8.46%
Gallup
3.56%
Tangible Common Equity 3
$90.3 Million
Efficiency Ratio 3
73.42%
1. Market Cap is based on the shares outstanding in (2) and the closing stock price of $7.75 as of November 30, 2023.
Shares Outstanding as of September 30, 2023.
2.
3. Tangible Common Equity and Efficiency Ratio are non-GAAP measures, see reconciliation tables elsewhere in this presentation.
285
Albuquerque
Santa Fe
80
New Mexico
Community Bank Markets
Maintain dominant market share
Focus on businesses, local
government, and non-profits
Strong low-cost deposit base
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