US Bank Directory
Banks in Raton, NM
4 FDIC-insured banks operate 4 offices in Raton, New Mexico.
Source: FDIC BankFind, data as of September 5, 2026; hours checked October 10, 2026.
Bank branch map: Raton
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 4 locations in Raton, according to the FDIC. 4 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Raton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Raton, with 1 each. 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
InBank Bank · 1
InBank has 1 branch in Raton, 4 across New Mexico and 16 nationwide. FDIC records list its main office in Raton, NM and show it operating since 1918. With $1.35 billion in total assets on June 30, 2026, it ranks No. 820 of 4,232 U.S. banks by total assets. Its main office at 1233 S 2nd St dates to 1918 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1233 S 2nd St, 87740
The First National Bank in Trinidad Bank · 1
The First National Bank in Trinidad has 1 branch in Raton, 1 across New Mexico and 5 nationwide. FDIC records list its main office in Trinidad, CO and show it operating since 1875. With $250.5 million in total assets on June 30, 2026, it ranks No. 2,725 of 4,232 U.S. banks by total assets. The Loan Production Branch at 1246 S 2nd St dates to 1999 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Loan Production Branch1246 S 2nd St, 87740
UMB Bank Bank · 1
UMB Bank has 1 branch in Raton, 21 across New Mexico and 207 nationwide. FDIC records list its main office in Kansas City, MO and show it operating since 1902. With $71.90 billion in total assets on June 30, 2026, it ranks No. 40 of 4,232 U.S. banks by total assets. The Raton Branch at 1104 S 2nd St dates to 1998 in FDIC branch records. Its published hours do not list Saturday.
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Raton Branch1104 S 2nd St, 87740
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: UMB Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Raton, 54 across New Mexico and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Raton Branch at 1103 S 2nd St dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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Raton Branch1103 S 2nd St, 87740
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Banking in Raton: the local picture
Short answer: 4 banks run 4 branches in Raton according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 1 has its main office in Raton and 3 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is InBank's office at 1233 S 2nd St, dating to 1918; the newest is The First National Bank in Trinidad's at 1246 S 2nd St, from 1999.
Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Raton
Short answer: None of the 2 Raton locations with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.
Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 4 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Raton, and where the nearest one is if they do not.
Short answer: In Raton: Wells Fargo (1). No branches in Raton: Chase (nearest in Santa Fe, 120 mi), Bank of America (nearest in Santa Fe, 118 mi), PNC Bank (nearest in Bernalillo, 161 mi), U.S. Bank (nearest in Taos, 72 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Cedar Crest, 163 mi).
| Bank | In Raton | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Chase | None | Santa Fe, 120 miles away |
| Bank of America | None | Santa Fe, 118 miles away |
| PNC Bank | None | Bernalillo, 161 miles away |
| U.S. Bank | None | Taos, 72 miles away |
| Truist | None | none in New Mexico |
| Fifth Third Bank | None | none in New Mexico |
| Huntington | None | none in New Mexico |
| Regions Bank | None | none in New Mexico |
| TD Bank | None | none in New Mexico |
| BMO | None | Cedar Crest, 163 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Raton to the nearest branch in New Mexico.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Raton residents like anyone else.
Banks near Raton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Angel Fire (58 miles) and Taos (72 miles). Santa Fe, 119 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Angel Fire, NM | 58 mi | 2 | 2 |
| Banks in Taos, NM | 72 mi | 3 | 5 |
| Banks in Clayton, NM | 76 mi | 3 | 3 |
| Banks in Mora, NM | 80 mi | 2 | 2 |
| Banks in Las Vegas, NM | 99 mi | 3 | 7 |
| Banks in Espanola, NM | 109 mi | 4 | 4 |
| Banks in Santa Fe, NM | 119 mi | 11 | 30 |
| Banks in Los Alamos, NM | 124 mi | 4 | 4 |
Bank branch openings and closings in Raton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Raton between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Raton
Short answer: 1 institution has its main office in Raton: InBank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| InBank | Bank | $1.35 billion | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Raton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Raton offices.
Short answer: Wells Fargo is the largest bank with offices in Raton, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. UMB Bank is second with $71.90 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| UMB Bank | $71.90 billion | No. 40 | 1 | Kansas City, MO |
| InBank | $1.35 billion | No. 820 | 1 | Raton, NM |
| The First National Bank in Trinidad | $250.5 million | No. 2,725 | 1 | Trinidad, CO |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Raton: FAQ
How many banks are in Raton, NM?
Raton has 4 banks with 4 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Raton?
Wells Fargo, with 1. UMB Bank has 1 and InBank has 1.
Is there a Wells Fargo in Raton, NM?
Yes. FDIC data lists 1 Wells Fargo branch in Raton as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a UMB Bank in Raton, NM?
Yes. FDIC data lists 1 UMB Bank branch in Raton as of September 5, 2026. The address and directions are under UMB Bank above.
Is there a InBank in Raton, NM?
Yes. FDIC data lists 1 InBank branch in Raton as of September 5, 2026, the main office at 1233 S 2nd St. The address and directions are under InBank above.
Is there a Chase in Raton, NM?
No. FDIC data lists no Chase branch in Raton as of September 5, 2026. The nearest is in Santa Fe, about 120 miles away in a straight line.
Which banks in Raton are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Raton?
InBank has its main office in Raton, according to the FDIC.
What is the oldest bank in Raton?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Did any bank branches open or close in Raton in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Raton?
Nearby cities with more banks include Angel Fire, Taos, Clayton. Angel Fire is 58 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Bank branch hours, phones and branch pages (2 of 4 branches: UMB Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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