BlastPoint

BlastPoint's Banking Scorecard

INSOUTH Bank

$100M-$1B Specialty: Commercial TN FDIC cert 22020

Designations: ✓ CDFI-certified

Brownsville, TN

7 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +2.8% year over year ($502.8M on the books).
  • Delinquency rate 2.31%.
  • Return on assets 0.84%.
  • Efficiency ratio 76.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

INSOUTH Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 43.4% in tier
  • - Nonperforming Asset Ratio 1.16% above tier average
  • - ROA 0.48% below tier average
  • - Efficiency Ratio 12.33% above tier average
  • - Delinquency Rate 1.39% above tier average
Get updates when INSOUTH Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $591.9M
+9.8% YoY +4.1% QoQ
+$205.3M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $454.1M
+10.9% YoY +4.3% QoQ
+$195.8M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $502.8M
+2.8% YoY -1.2% QoQ
+$176.1M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 0.84%
+3.8% YoY +3.2% QoQ
-0.48% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.38%
-0.5% YoY +2.1% QoQ
+0.40% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 76.81%
-4.3% YoY -2.0% QoQ
+12.33% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 2.31%
+43.6% YoY -14.6% QoQ
+1.39% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 10.2% in tier
Loan-to-Deposit Ratio ? 90.33%
+7.9% YoY +5.5% QoQ
+12.37% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 19.54%
-3.2% YoY +6.7% QoQ
-2.50% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 1.83%
+49.5% YoY -14.2% QoQ
+1.16% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Bottom 8.8% in tier
Tier 1 Capital Ratio ? 10.19%
-4.3% YoY +0.7% QoQ
-5.72% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 12.8% in tier
Non-Interest Income / Assets ? 0.40%
+14.1% YoY +73.8% QoQ
-0.16% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 14.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 19.5%
-0.6pp YoY
+1.2pp QoQ
 -2.6pp 22.1% 18.8% 22.2% 43%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 14.9%
-2.4pp YoY
+0.4pp QoQ
 +3.3pp 11.6% 10.9% 12.5% 75%
CRE 48.5%
+4.9pp YoY
-1.2pp QoQ
 +8.9pp 39.5% 42.4% 41.4% 68%
1-4 Family 29.2%
-1.1pp YoY
+1.2pp QoQ
 -3.5pp 32.6% 39.8% 31.3% 49%
Consumer 1.6%
-0.2pp YoY
+0.1pp QoQ
 -2.5pp 4.1% 4.5% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 10.2%
-0.5pp YoY
+0.1pp QoQ
 -8.6pp 18.8% 14.8% 19.7% 3%
Leverage Ratio 8.5%
-0.3pp YoY
-0.1pp QoQ
 -3.7pp 12.2% 11.4% 12.6% 6%
Total Capital Ratio 11.2%
-0.7pp YoY
+0.1pp QoQ
 -8.7pp 19.9% 15.9% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 111
+1 (+0.9%) YoY
-1 (-0.9%) QoQ
 +52 58 270 482 90%
Assets per Employee ($) $5.3M
+8.8% YoY
+5.1% QoQ
 -$2.2M $7.5M $7.1M $8.8M 20%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.5pp YoY
+0.4pp QoQ
 +0.2pp 0.3% 0.2% 0.4% 84%
Nonaccrual 1.8%
+0.2pp YoY
-0.8pp QoQ
 +0.8pp 0.9% 0.7% 1.0% 85%
Allowance Coverage 0.49x
-42.9% YoY
+13.5% QoQ
 -23.66x 24.15x 28.97x 20.23x 10%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 10.9%
+0.4pp YoY
+0.4pp QoQ
 -1.3pp 12.2% 10.9% 11.6% 42%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 2.0% 1.7% 74%
Net Income ($, YTD) $2.4M
+11.4% YoY
— QoQ
 -$119K $2.6M $16.7M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#301 of 691 • Bottom 43.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

386
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#386 of 2643 Top 14.6% in $100M-$1B
408
Total Loans
size
Value: $454.15M
Peer Median: $258.35M
#408 of 2643 Top 15.4% in $100M-$1B
526
Total Deposits
size
Value: $502.79M
Peer Median: $326.73M
#526 of 2643 Top 19.9% in $100M-$1B
535
Total Assets
size
Value: $591.89M
Peer Median: $386.57M
#535 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (4 metrics)

2412
Nonperforming Asset Ratio
credit_quality
Value: 1.83%
Peer Median: 0.67%
#2412 of 2643 Bottom 8.8% in $100M-$1B
2365
Delinquency Rate
credit_quality
Value: 2.31%
Peer Median: 0.92%
#2365 of 2633 Bottom 10.2% in $100M-$1B
2305
Tier 1 Capital Ratio
capital
Value: 10.19%
Peer Median: 15.91%
#2305 of 2643 Bottom 12.8% in $100M-$1B
2178
Efficiency Ratio
profitability
Value: 76.81%
Peer Median: 64.48%
#2178 of 2643 Bottom 17.6% in $100M-$1B
Powered by BlastPoint © 2026