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
Unfavorable gap of $21.0M · efficiency ratio beats 49% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.23% | 1.54% | Beats 25% | 193 / 258 | |
| Return on Equity | 9.32% | 9.26% | 11.84% | 14.74% | Beats 26% | 192 / 258 | |
| Net Interest Margin | 3.21% | 3.16% | 3.49% | 3.88% | Beats 29% | 183 / 258 | |
| Efficiency Ratio | 60.66% | 51.71% | 60.30% | 69.65% | Beats 49% | 132 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.46% | 0.90% | Beats 70% | 79 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.41% | 12.98% | 15.12% | Beats 21% | 203 / 258 | |
| Total Risk-Based Capital Ratio | 12.19% | 12.10% | 13.91% | 16.08% | Beats 27% | 188 / 258 | |
| Equity / Assets | 9.95% | 9.09% | 10.24% | 11.72% | Beats 45% | 142 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 100.91% | 73.24% | 86.34% | 95.95% | 85th pctl | 39 / 258 | |
| Loans / Assets | 84.74% | 63.01% | 72.27% | 78.40% | 93rd pctl | 17 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |