BlastPoint's Banking Scorecard
InsBank
Designations: ✓ Community bank
Nashville, TN
3 branches across TN
InsBank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.29% below tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+15.3% YoY
+2.6% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.8% in tier |
| Total Loans ? |
$884.5M
+14.3% YoY
+3.7% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$924.4M
+17.5% YoY
+3.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.3% in tier |
| Return on Assets ? |
0.89%
-2.4% YoY
+37.2% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.49%
+11.0% YoY
+5.0% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
61.31%
+1.7% YoY
+1.3% QoQ
|
+0.25% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.25%
-62.5% YoY
-58.9% QoQ
|
-0.64% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
95.68%
-2.7% YoY
+0.7% QoQ
|
+11.48% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
10.74%
-9.3% YoY
+2.1% QoQ
|
-10.55% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-59.5% YoY
-54.7% QoQ
|
-0.45% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.01%
-7.9% YoY
+0.4% QoQ
|
-4.15% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
-0.04%
-176.3% YoY
-134.3% QoQ
|
-0.29% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.3% 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.