BlastPoint's Banking Scorecard
INSOUTH Bank
Designations: ✓ CDFI-certified
Brownsville, TN
7 branches across TN
INSOUTH Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.7% in tier
- - Delinquency Rate 1.82% above tier average
- - Nonperforming Asset Ratio 1.49% above tier average
- - ROA 0.45% below tier average
- - Efficiency Ratio 13.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$568.4M
+4.7% YoY
-0.7% QoQ
|
+$182.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$435.6M
+7.5% YoY
-1.6% QoQ
|
+$179.9M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$508.7M
+2.3% YoY
+1.9% QoQ
|
+$180.7M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.82%
+15.2% YoY
-8.3% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.29%
-0.3% YoY
-3.0% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
78.34%
-3.0% YoY
+0.3% QoQ
|
+13.06% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
2.71%
+76.9% YoY
+37.5% QoQ
|
+1.82% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.0% in tier |
| Loan-to-Deposit Ratio ? |
85.63%
+5.2% YoY
-3.4% QoQ
|
+8.99% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
18.31%
-5.4% YoY
-0.4% QoQ
|
-3.71% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.13%
+85.9% YoY
+35.1% QoQ
|
+1.49% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
10.12%
-5.2% YoY
+0.3% QoQ
|
-5.71% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.1% in tier |
| Non-Interest Income / Assets ? |
0.23%
+34.9% YoY
-68.6% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 10.5% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.