BlastPoint's Banking Scorecard
InsBank
Community
Specialty: Commercial
TN
FDIC cert 35521
Nashville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
InsBank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 51% in Community
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.3% YoY
+9.1% QoQ
|
-$341.3M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$853.1M
+13.0% YoY
+6.9% QoQ
|
-$122.4M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$897.7M
+19.6% YoY
+7.9% QoQ
|
-$266.9M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.65%
-39.5% YoY
-38.5% QoQ
|
-0.52% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.32%
+5.3% YoY
-1.1% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
60.51%
+10.7% YoY
+3.6% QoQ
|
-2.12% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.61%
-13.4% YoY
-28.4% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
95.03%
-5.5% YoY
-0.9% QoQ
|
+11.97% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
10.51%
-6.3% YoY
-10.8% QoQ
|
-10.53% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.50%
-15.8% YoY
-29.8% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
10.97%
-7.8% YoY
-9.0% QoQ
|
+0.72% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.11%
-40.4% YoY
-27.4% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Cost Spiral
risk
#21 of 40 · Bottom 51% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
60.51%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
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
77
77th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 83.06%
61
61th pctile
Total Loans
Current: $853.1M · Tier avg: $975.5M
55
55th pctile
Efficiency Ratio
Current: 60.51% · Tier avg: 62.63%
54
54th pctile
Total Deposits
Current: $897.7M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.97% · Tier avg: 10.24%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.51% · Tier avg: 21.05%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.51% · Tier avg: 21.05%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.97% · Tier avg: 10.24%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $897.7M · Tier avg: $1.2B
55
55th pctile
Efficiency Ratio
Current: 60.51% · Tier avg: 62.63%
61
61th pctile
Total Loans
Current: $853.1M · Tier avg: $975.5M
77
77th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 83.06%