Inbankshares

What Inbankshares does

InBank is a community bank chartered in 1918 and headquartered in Denver, Colorado, operating 13 full-service branches across the Colorado Front Range, southern Colorado, and northern New Mexico under the holding company InBankshares, Corp (OTCQX: INBC). The company serves small and mid-market businesses, founders, owner-operators with $1M–$10M in revenue, commercial real estate investors, middle-market CFOs, nonprofit organizations, and individual consumers through relationship-driven banking with locally empowered credit decision-making.

The product platform combines tiered InBusiness Checking accounts (InBusiness, Plus, Platinum, Interest, Community, and Analysis tiers), business savings and money market accounts, treasury management with ACH origination, wire transfers, Positive Pay fraud controls, and QuickBooks integration, plus a dedicated Business Concierge Experience that manages end-to-end bank switching for incoming business clients. Lending is delivered directly (working capital lines, equipment term loans, owner-occupied and investor CRE, construction) and through the INTQ Financial division for SBA 7(a), 504, and USDA programs. Merchant services are provided through a partnership with Payroc; commercial credit cards are issued in partnership with TIB Bank; and personal banking spans checking, savings, credit cards, HELOCs, vehicle and construction loans, Zelle, card controls, and mobile wallet support across iOS and Android. All products are accessed through an FDIC-insured core with cloud-based online and mobile banking, and supported by Brink's armored cash logistics.

The revenue model is primarily traditional banking: net interest income from commercial, CRE, SBA, construction, equipment, and consumer lending, supplemented by deposit account fees (often waived at balance thresholds), treasury management fees, merchant services processing fees, interchange from consumer and commercial credit card programs, and cashback rebates earned via the InPayables AP-automation platform. Capital formation includes a $20M subordinated-notes private placement in October 2021 and an approximately $39.2M exempt securities offering per an April 2022 Form D filing, alongside the May 2022 Legacy Bank combination.

Name

Inbankshares

Legal name

InBankshares, Corp

Website

https://inbank.com

Company type

Public

Founded year

1918

Operating status

Operating

Headcount range

101–250 employees

Short description

InBank is a community bank operating 13 branches across Colorado and New Mexico, delivering relationship-driven business and personal banking, SBA lending via its INTQ Financial division, treasury management, merchant services, and credit cards to SMBs, founders, middle-market companies, and consumers under holding company InBankshares, Corp (OTCQX: INBC).

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Offices of Bank Holding Companies (551111), Credit Intermediation and Related Activities (522)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Healthcare & Pharmaceuticals (FSABACAN)

Keywords

• Community banking services
• Commercial lending
• Treasury management
• Small business banking
• SBA lending

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking interest income from loans including commercial real estate, equipment financing, working capital lines of credit, SBA loans, and construction loans. Interest-bearing checking and savings accounts also generate interest income.
2. Fee Income: Monthly account maintenance fees on business and personal checking accounts (waived based on balance minimums). Transaction fees, wire transfer fees, and treasury management service fees.
3. Merchant Services: Payment processing fees from merchant services through Payroc partnership. Supports custom-tailored pricing, interchange-plus pricing, and flat-rate options.
4. InPayables Revenue: Cashback rebate earned on total monthly credit card spend through InPayables accounts payable automation platform.
5. Credit Card Income: Income from business and personal credit card programs, including interchange fees and interest charges on revolving balances.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

InBankshares, Corp is the holding company for InBank, an FDIC-insured community bank operating 13 branches across Colorado and New Mexico. The bank provides relationship-driven commercial, small business, and personal banking products, including tiered business and personal checking/savings accounts, commercial and SBA lending (via the INTQ Financial division), treasury management with fraud prevention tools, merchant services through Payroc, business credit cards, and personal lending. Its Business Concierge Experience provides white-glove account-transition support to businesses switching from other banks.

Product overview

InBank is a community bank offering a unified platform of commercial, business, and personal banking products across Colorado and New Mexico. The core offering centers on relationship-driven business banking through InBusiness Checking accounts (six tiers from basic to analysis), Business Lending (including SBA loans via INTQ Financial sub-brand), Treasury Management with online/mobile banking, Merchant Services via Payroc, and InPayables for automated accounts payable. Personal banking spans checking, savings, credit cards, lending, Zelle payments, Card Controls, and Mobile Wallet support. The Business Concierge Experience provides dedicated switching support, while the Women in Business Program offers specialized community banking for female entrepreneurs. All services are connected through InBank's online and mobile banking platform with local decision-making as the differentiator.

Differentiator

Problem solved

Functional benefit

Brands

• INTQ Financial: SBA lending division offering SBA 7(a), SBA 504, and USDA loan programs for small business lending.

Quantifiable outcome

• Direct access to decision-makers - pick up the phone and talk to a co-founder of the bank
• +3 more outcomes

Named customers20 records

Segments7 records

Ideal customer profiles6 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• PayroccoreTechnology or IntegrationPayroc is a payment processing partner providing merchant services for businesses across Colorado and New Mexico. Payroc enables acceptance of all major debit and credit cards plus contactless payments (Apple Pay, Google Pay, Samsung Pay) with real-time transaction tracking, automated digital invoicing, and eCommerce management. Pricing options include custom-tailored pricing, interchange-plus pricing, and flat-rate options.
• TIB BankcoreChannel Partner/ Reseller/ DistributorTIB Bank partners with InBank to offer small business credit cards to customers spending under $15,000 per month. TIB Bank issues the cards while InBank provides local support and distribution. Cards can be paid in full with no interest or carry a balance at the stated APR.
• MoneyPass ATM NetworkminorChannel Partner/ Reseller/ DistributorMoneyPass ATM network partnership provides convenient ATM access for InBank customers across Colorado and New Mexico through the MoneyPass network of surcharge-free ATMs.
• AllPoint ATM NetworkminorChannel Partner/ Reseller/ DistributorAllPoint ATM network partnership provides convenient ATM access for InBank customers across Colorado and New Mexico through the AllPoint network of surcharge-free ATMs.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerSBA lending partnership providing SBA 7(a) loans for working capital, equipment, and real estate; SBA 504 loans for major fixed-asset purchases; and USDA loans for eligible rural businesses. InBank launched INTQ Financial as a dedicated SBA lending division in September 2023 to focus on SBA programs.

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• First Busey Corporation: Mid-sized community bank holding company serving business and retail customers across multiple Midwest/ Southeast markets with comparable commercial and treasury management capabilities.
• Pinnacle Financial Partners: Relationship-driven commercial bank with deep middle-market and SMB focus — closely mirrors InBank's GTM (named bankers, local decisions, business-first culture) at a larger scale.
• HomeStreet Bank: Community-focused commercial and consumer bank with SBA, mortgage, and treasury management offerings — comparable in product breadth and community banking positioning.
• First Western Financial: Denver-based community bank holding company with a private banking, wealth management, and commercial lending focus in Colorado and the Rocky Mountain region — directly comparable to InBankshares by geography, customer base (founders/family offices), and public-community-bank model.
• Nicollet Bankshares: Community bank holding company in the upper Midwest with strong business banking and treasury management orientation — similar scale and product mix to InBankshares.
• Live Oak Bancshares: Public holding company whose core franchise is SBA and small business lending — directly comparable to InBank's INTQ Financial SBA division and to the bank's broader small-business banking focus.

Broad incumbents

• United Bankshares: Mid-Atlantic community bank holding company with diversified commercial and consumer banking — comparable publicly traded consolidator with similar community-bank M&A strategy.
• Glacier Bancorp: Multi-state community bank holding company in the Western U.S. with a similar decentralized, community-bank acquisition playbook — a comparable publicly traded consolidator in the same regional/community banking space as InBankshares.
• Heartland Financial USA (now HTLF / Veritex merger successor): Large community bank holding company operating across multiple states with commercial, SBA, and treasury management capabilities — comparable to InBankshares at the holding-company level, though at significantly greater scale.

Others

• TIB Bank (Nfinity Holdings): Strategic partner of InBank (issues its business credit cards) — included because of the existing commercial relationship and similar SMB card-issuing business model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/inbank
• Instagraminstagram.com/thinkinbank
• Xx.com/GoInBank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Inbankshares