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

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	8-Qtr Trend
Earnings
Return on Assets	0.93%	0.93%	1.23%	1.54%	Beats 25%	193 / 258	n/a
Return on Equity	9.32%	9.26%	11.84%	14.74%	Beats 26%	192 / 258	n/a
Net Interest Margin	3.21%	3.16%	3.49%	3.88%	Beats 29%	183 / 258	n/a
Efficiency Ratio	60.66%	51.71%	60.30%	69.65%	Beats 49%	132 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.24%	0.19%	0.46%	0.90%	Beats 70%	79 / 258	n/a
Net Charge-Offs / Loans	0.00%	0.01%	0.02%	0.07%	Beats 100%	15 / 258	n/a
Capital
Tier 1 Capital Ratio	11.00%	11.41%	12.98%	15.12%	Beats 21%	203 / 258	n/a
Total Risk-Based Capital Ratio	12.19%	12.10%	13.91%	16.08%	Beats 27%	188 / 258	n/a
Equity / Assets	9.95%	9.09%	10.24%	11.72%	Beats 45%	142 / 258	n/a
Liquidity & Funding
Loans / Deposits	100.91%	73.24%	86.34%	95.95%	85th pctl	39 / 258	n/a
Loans / Assets	84.74%	63.01%	72.27%	78.40%	93rd pctl	17 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution