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Insbank
Nashville, TN · FDIC Certificate #35521 · Chartered 11/2
Total assets
$1.08B
Total deposits
$905.77M
Total equity
$107.36M
Net loans
$902.61M
Branches (offices)
3
Net income (YTD)
$5.00M
Rank: #975 of 4,213 U.S. banks by assets · #30 of 109 in Tennessee. Assets changed 14.0% and deposits 13.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.94% |
| Return on equity | 9.52% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 67.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $609.75M | 67.6% | |
| Commercial & industrial | $291.60M | 32.3% | |
| Consumer / individual | $1.94M | 0.2% | |
| Construction & development | $98.50M | 10.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $716.66M | $566.36M | $5.96M | $79.02M |
| Jun 2023 | $811.16M | $656.54M | $4.56M | $89.79M |
| Jun 2024 | $833.23M | $679.78M | $4.39M | $95.43M |
| Jun 2025 | $946.07M | $799.99M | $4.66M | $102.50M |
| Jun 2026 | $1.08B | $905.77M | $5.00M | $107.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $905.77M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $905.77M.
Similar-sized banks
Commercial Bank & Trust Co. ($1.08B) · The First National Bank Of Bemidji ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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