Nashville, TN · Cert 35521 · Inscorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
85
Profitability
26
Liquidity
17
Efficiency
49
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.
Nashville, TN · Cert 35521 · Inscorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.8% share · #19 of 62 inst. · $0.9B of $107.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.07% | 0.91% | 1.00% | 1.05% | 0.65% | 0.89% | 0.94% | -7 bps | |
| Return on Equity | 9.47% | 9.50% | 8.40% | 9.28% | 9.69% | 6.09% | 9.07% | 9.52% | +25 bps | |
| Net Interest Margin | 2.93% | 2.88% | 3.01% | 3.08% | 3.07% | 3.05% | 3.29% | 3.21% | +13 bps | |
| Efficiency Ratio | 54.21% | 54.67% | 60.30% | 57.77% | 58.41% | 60.51% | 61.31% | 60.66% | +288 bps | |
| Non-Interest Burden | 1.50% | 1.49% | 1.73% | 1.69% | 1.71% | 1.80% | 2.07% | 1.95% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | 8.30% | 13.31% | 13.54% | 10.73% | 16.28% | 15.29% | 14.01% | +47 bps | |
| Loan Growth (YoY) | 4.34% | 12.21% | 15.76% | 16.57% | 15.10% | 12.95% | 14.21% | 14.55% | -202 bps | |
| Deposit Growth (YoY) | 9.30% | 9.40% | 17.13% | 17.68% | 15.76% | 19.58% | 17.47% | 13.22% | -446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 0.70% | 0.66% | 0.65% | 0.84% | 0.60% | 0.25% | 0.24% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.29% | 1.30% | 1.32% | 1.34% | 1.25% | 1.25% | 1.25% | -7 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.9x | 2.0x | 2.0x | 1.6x | 2.1x | 5.0x | 5.2x | +3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.78% | 11.53% | 11.33% | 11.28% | 11.08% | 10.66% | 10.06% | 10.20% | -108 bps | |
| Total Risk-Based Capital | 13.94% | 13.11% | 13.18% | 13.26% | 13.30% | 12.14% | 12.20% | 12.19% | -107 bps | |
| Equity / Assets | 11.25% | 10.92% | 10.70% | 10.83% | 10.89% | 9.81% | 9.72% | 9.95% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.71% | 101.88% | 99.66% | 99.74% | 97.15% | 96.23% | 96.89% | 100.91% | +117 bps | |
| Liquid Assets / Assets | 7.32% | 4.10% | 5.31% | 5.01% | 2.70% | 5.55% | 2.12% | 1.64% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 399% | 448% | 436% | n/a | n/a | |
Nashville, TN · Cert 35521 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Inscorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
0.93%
Rank 201 of 269
Net Interest Margin
3.21%
Rank 193 of 269
Efficiency Ratio
60.66%
Rank 139 of 268
Equity / Assets
9.95%
Rank 150 of 269
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.93% | 1.23% | 1.54% | Beats 25% | 201 / 269 | n/a | |
| Return on Equity | 9.32% | 9.13% | 11.77% | 14.52% | Beats 26% | 198 / 269 | n/a | |
| Net Interest Margin | 3.21% | 3.16% | 3.50% | 3.88% | Beats 28% | 193 / 269 | n/a | |
| Efficiency Ratio | 60.66% | 51.70% | 60.21% | 69.66% | Beats 49% | 139 / 268 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.45% | 0.89% | Beats 69% | 84 / 269 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 15 / 269 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.00% | 11.29% | 13.10% | 15.21% | Beats 23% | 208 / 269 | n/a | |
| Total Risk-Based Capital Ratio | 12.19% | 12.04% | 13.91% | 16.33% | Beats 29% | 192 / 269 | n/a | |
| Equity / Assets | 9.95% | 9.18% | 10.29% | 11.76% | Beats 44% | 150 / 269 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.91% | 72.68% | 86.29% | 95.72% | 85th pctl | 40 / 269 | n/a | |
| Loans / Assets | 84.74% | 62.46% | 72.27% | 78.37% | 93rd pctl | 20 / 269 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||