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Insbank

Nashville, TN · Cert 35521 · Inscorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Insbank

Nashville, TN · Cert 35521 · Inscorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$1.1BAssets
$914.0MLoans
$905.8MDeposits
$107.4MEquity
Loan mix
67%RE $595.1M33%C&I $287.8M0%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $810.7M10%Noninterest $95.0MQ2 2025Q2 2026

NIM

6.08%Q2 ’246.02%Q2 ’256.08%Q2 ’26+6%+4%

Non-interest income vs. expense

1.66%Q2 ’241.91%Q2 ’251.94%Q2 ’26+13%+16%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.8% share · #19 of 62 inst. · $0.9B of $107.8B

1.3% Davidson
0.3% Rutherford

Executive Summary

  • Earnings: ROA of 0.94%, down 7 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.24% of loans (-41 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.20%, down 108 bps from a year ago.
  • Funding: loans stand at 100.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+13 bps YoY

Efficiency Ratio (YTD, annualized)

60.66%+288 bps YoY

Tier 1 Leverage Ratio

10.20%-108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.05%0.65%0.89%0.94%-7 bps
Return on Equity9.28%9.69%6.09%9.07%9.52%+25 bps
Net Interest Margin3.08%3.07%3.05%3.29%3.21%+13 bps
Efficiency Ratio57.77%58.41%60.51%61.31%60.66%+288 bps
Non-Interest Burden1.69%1.71%1.80%2.07%1.95%+26 bps
Growth
Asset Growth (YoY)13.54%10.73%16.28%15.29%14.01%+47 bps
Loan Growth (YoY)16.57%15.10%12.95%14.21%14.55%-202 bps
Deposit Growth (YoY)17.68%15.76%19.58%17.47%13.22%-446 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.84%0.60%0.25%0.24%-41 bps
Net Charge-Offs / Loans0.00%0.00%0.57%0.00%0.00%0 bps
Allowance / Loans1.32%1.34%1.25%1.25%1.25%-7 bps
Allowance Coverage of NPLs2.0x1.6x2.1x5.0x5.2x+3.2x
Capital
Tier 1 Leverage Ratio11.28%11.08%10.66%10.06%10.20%-108 bps
Total Risk-Based Capital13.26%13.30%12.14%12.20%12.19%-107 bps
Equity / Assets10.83%10.89%9.81%9.72%9.95%-88 bps
Liquidity & Funding
Loans / Deposits99.74%97.15%96.23%96.89%100.91%+117 bps
Liquid Assets / Assets5.01%2.70%5.55%2.12%1.64%-338 bps
CRE / Total Capitaln/a399%448%436%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Insbank

Nashville, TN · Cert 35521 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Inscorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$1.1BAssets
$914.0MLoans
$905.8MDeposits
$107.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: tier 1 capital ratio trails 79% of banks $1B-$10B in assets operating in a single state (rank 203 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.93%

Rank 193 of 258

Net Interest Margin

3.21%

Rank 183 of 258

Efficiency Ratio

60.66%

Rank 132 of 257

Equity / Assets

9.95%

Rank 142 of 258

Non-interest income vs. expense

-$0.1M$20.9MINCOMEEXPENSE
Unfavorable gap of $21.0M · efficiency ratio beats 49% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.93%1.23%1.54%Beats 25%193 / 258
Return on Equity9.32%9.26%11.84%14.74%Beats 26%192 / 258
Net Interest Margin3.21%3.16%3.49%3.88%Beats 29%183 / 258
Efficiency Ratio60.66%51.71%60.30%69.65%Beats 49%132 / 257
Asset Quality
Nonperforming Loans / Loans0.24%0.19%0.46%0.90%Beats 70%79 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio11.00%11.41%12.98%15.12%Beats 21%203 / 258
Total Risk-Based Capital Ratio12.19%12.10%13.91%16.08%Beats 27%188 / 258
Equity / Assets9.95%9.09%10.24%11.72%Beats 45%142 / 258
Liquidity & Funding
Loans / Deposits100.91%73.24%86.34%95.95%85th pctl39 / 258
Loans / Assets84.74%63.01%72.27%78.40%93rd pctl17 / 258
Brokered Deposits / Depositsn/aNot reported for this institution