Insbank
Nashville, TN · Cert 35521 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 (rank 18 of 311).
- Widest gap: tier 1 capital ratio trails 85% of banks $1B-$10B in assets (rank 271 of 317).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.93%
Rank 239 of 317
Net Interest Margin
3.21%
Rank 209 of 317
Efficiency Ratio
60.66%
Rank 171 of 317
Equity / Assets
9.95%
Rank 177 of 317
Non-interest income vs. expense
Unfavorable gap of $21.0M · efficiency ratio beats 46% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.22% | 1.51% | Beats 25% | 239 / 317 | |
| Return on Equity | 9.32% | 8.63% | 11.43% | 14.48% | Beats 31% | 220 / 317 | |
| Net Interest Margin | 3.21% | 3.06% | 3.45% | 3.83% | Beats 34% | 209 / 317 | |
| Efficiency Ratio | 60.66% | 51.90% | 59.69% | 67.53% | Beats 46% | 171 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.51% | 1.14% | Beats 76% | 77 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 100% | 18 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.75% | 13.15% | 15.30% | Beats 15% | 271 / 317 | |
| Total Risk-Based Capital Ratio | 12.19% | 12.63% | 14.21% | 16.26% | Beats 20% | 255 / 317 | |
| Equity / Assets | 9.95% | 9.06% | 10.32% | 11.95% | Beats 44% | 177 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 100.91% | 76.63% | 88.04% | 95.67% | 89th pctl | 35 / 312 | |
| Loans / Assets | 84.74% | 65.41% | 74.05% | 79.71% | 91st pctl | 29 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |