Insouth Bank
Brownsville, TN · Cert 22020 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Independent S Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
$591.9MAssets
$459.3MLoans
$502.8MDeposits
$45.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 58% of banks under $1B in assets operating in a single state (rank 311 of 746).
- Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 671 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.82%
Rank 507 of 746
Net Interest Margin
3.85%
Rank 311 of 746
Efficiency Ratio
76.81%
Rank 578 of 746
Equity / Assets
7.61%
Rank 671 of 746
Non-interest income vs. expense
Unfavorable gap of $16.3M · efficiency ratio beats 23% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 507 / 746 | |
| Return on Equity | 10.82% | 6.74% | 10.51% | 13.63% | Beats 53% | 350 / 746 | |
| Net Interest Margin | 3.85% | 3.17% | 3.68% | 4.16% | Beats 58% | 311 / 746 | |
| Efficiency Ratio | 76.81% | 55.74% | 64.58% | 75.47% | Beats 23% | 578 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.29% | 0.09% | 0.42% | 1.07% | Beats 10% | 671 / 743 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 607 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 11.55% | 13.75% | 17.60% | Beats 11% | 665 / 746 | |
| Total Risk-Based Capital Ratio | 11.24% | 11.71% | 14.33% | 18.43% | Beats 20% | 594 / 746 | |
| Equity / Assets | 7.61% | 8.90% | 10.51% | 13.06% | Beats 10% | 671 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 91.35% | 61.31% | 78.27% | 90.78% | 77th pctl | 175 / 746 | |
| Loans / Assets | 77.60% | 53.60% | 66.97% | 76.08% | 79th pctl | 155 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |