BlastPoint's Banking Scorecard
InsBank
Designations: ✓ Community bank
Nashville, TN
3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +13.2% year over year ($905.8M on the books).
- Delinquency rate 0.24%.
- Return on assets 0.94%.
- Efficiency ratio 60.66% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.65% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
InsBank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.46% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 0.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+14.0% YoY
+0.1% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.9% in tier |
| Total Loans ? |
$902.6M
+14.6% YoY
+2.0% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$905.8M
+13.2% YoY
-2.0% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.5% in tier |
| Return on Assets ? |
0.94%
-6.7% YoY
+5.6% QoQ
|
-0.46% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.43%
+4.5% YoY
-1.7% QoQ
|
-0.44% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
60.66%
+5.0% YoY
-1.1% QoQ
|
+0.93% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.24%
-63.3% YoY
-3.9% QoQ
|
-0.62% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
99.65%
+1.2% YoY
+4.1% QoQ
|
+14.62% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
10.49%
-6.0% YoY
-2.3% QoQ
|
-10.78% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-61.0% YoY
-5.0% QoQ
|
-0.46% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.00%
-8.4% YoY
-0.1% QoQ
|
-3.84% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
-0.01%
-104.8% YoY
+85.9% QoQ
|
-0.53% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
10.5%
-0.7pp YoY -0.2pp QoQ |
-10.9pp | 21.4% | 18.8% | 22.2% | 11% |
| Brokered Deposits |
22.1%
+1.4pp YoY +1.6pp QoQ |
+12.7pp | 9.5% | 9.4% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.3%
+1.1pp YoY -0.2pp QoQ |
+18.3pp | 14.0% | 10.9% | 12.5% | 92% |
| CRE |
53.3%
-1.3pp YoY +0.5pp QoQ |
+3.3pp | 50.0% | 42.4% | 41.4% | 61% |
| 1-4 Family |
13.9%
+1.0pp YoY -0.2pp QoQ |
-12.6pp | 26.4% | 39.8% | 31.3% | 27% |
| Consumer |
0.2%
-0.6pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 4.5% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.0%
-1.0pp YoY 0.0pp QoQ |
-4.6pp | 15.6% | 14.8% | 19.7% | 10% |
| Leverage Ratio |
10.2%
-1.1pp YoY +0.1pp QoQ |
-1.1pp | 11.3% | 11.4% | 12.6% | 42% |
| Total Capital Ratio |
12.2%
-1.1pp YoY 0.0pp QoQ |
-4.5pp | 16.7% | 15.9% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
82
+8 (+10.8%) YoY +6 (+7.9%) QoQ |
-232 | 313 | 270 | 482 | 4% |
| Assets per Employee ($) |
$13.2M
+2.9% YoY -7.2% QoQ |
+$2.7M | $10.5M | $7.1M | $8.8M | 84% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-17 | 20 | 17 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.7% | 1.0% | 27% |
| Allowance Coverage |
5.24x
+157.0% YoY +4.1% QoQ |
-13.47x | 18.71x | 28.97x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
+0.2pp YoY +0.4pp QoQ |
-3.1pp | 12.6% | 10.9% | 11.6% | 29% |
| Cost of Funds (YTD) |
3.1%
-0.1pp YoY 0.0pp QoQ |
+1.2pp | 1.9% | 2.0% | 1.7% | 96% |
| Net Income ($, YTD) |
$5.0M
+7.4% YoY — QoQ |
-$14.2M | $19.2M | $16.7M | $40.4M | 11% |
Get Full Access to InsBank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.