BlastPoint's Banking Scorecard
INSOUTH Bank
Community
Specialty: Commercial
TN
FDIC cert 22020
Brownsville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
INSOUTH Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.08% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$572.7M
+7.8% YoY
+1.6% QoQ
|
-$818.8M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$442.5M
+9.9% YoY
+2.5% QoQ
|
-$532.9M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$499.3M
+4.8% YoY
+3.0% QoQ
|
-$665.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.89%
-5.2% YoY
+6.0% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.43%
+0.4% YoY
+0.0% QoQ
|
+0.76% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
78.14%
+1.0% YoY
-1.1% QoQ
|
+15.51% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.97%
+28.1% YoY
+27.9% QoQ
|
+1.34% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
88.63%
+4.9% YoY
-0.5% QoQ
|
+5.57% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
-10.4% YoY
-5.5% QoQ
|
-2.67% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.58%
+35.3% YoY
+33.7% QoQ
|
+1.08% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
10.09%
-1.2% QoQ
|
-0.16% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.74%
-5.9% YoY
+38.7% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.58%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.63% · Tier avg: 83.06%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.09% · Tier avg: 10.24%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
21
21th pctile
Total Loans
Current: $442.5M · Tier avg: $975.5M
13
13th pctile
Total Deposits
Current: $499.3M · Tier avg: $1.2B
13
13th pctile
Efficiency Ratio
Current: 78.14% · Tier avg: 62.63%
11
11th pctile
Total Assets
Current: $572.7M · Tier avg: $1.4B
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.58% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.58% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
11
11th pctile
Total Assets
Current: $572.7M · Tier avg: $1.4B
13
13th pctile
Efficiency Ratio
Current: 78.14% · Tier avg: 62.63%
13
13th pctile
Total Deposits
Current: $499.3M · Tier avg: $1.2B
21
21th pctile
Total Loans
Current: $442.5M · Tier avg: $975.5M
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.09% · Tier avg: 10.24%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.63% · Tier avg: 83.06%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%