| Metric | INSOUTH Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.9% | +4.8 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +10.9% | +5.3% | +5.6 pts |
| ROA | 0.84% | 1.28% | -0.4 pts |
| ROE | 10.9% | 12.4% | -1.6 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $591.9M | $502.8M | $454.1M | $45.0M | $2.4M | 0.84% | 4.38% | 1.83% |
| Q1 2026 | $568.4M | $508.7M | $435.6M | $44.5M | $1.2M | 0.82% | 4.29% | 2.13% |
| Q4 2025 | $572.7M | $499.3M | $442.5M | $44.8M | $4.9M | 0.89% | 4.43% | 1.58% |
| Q3 2025 | $563.7M | $484.6M | $431.8M | $43.8M | $3.4M | 0.84% | 4.42% | 1.18% |
| Q2 2025 | $539.3M | $488.9M | $409.4M | $42.4M | $2.2M | 0.81% | 4.40% | 1.22% |
| Q1 2025 | $543.0M | $497.4M | $405.0M | $42.0M | $953K | 0.71% | 4.31% | 1.15% |
| Q4 2024 | $531.2M | $476.5M | $402.6M | $41.3M | $4.8M | 0.94% | 4.41% | 1.17% |
| Q3 2024 | $524.9M | $465.3M | $398.6M | $42.3M | $3.4M | 0.90% | 4.42% | 1.25% |
Loan mix (Q2 2026): real estate $374.5M · commercial $67.6M · consumer $7.3M · securities $74.1M
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.28% | — | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.89% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% |
Peer lists, growth filters, CSV export, CRM push.
| 61.2% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | INSOUTH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 4 counties across 1 state (+0 vs 2024) · $488.9M branch deposits. Biggest market: Haywood, TN, ranked 1st with 56.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Haywood, TN | 2 | $209.4M | 56.68% | 1st |
| Tipton, TN | 2 | $173.8M | 23.99% | 1st |
| Shelby, TN | 2 | $96.7M | 0.28% | 34th |
| 1 more county with Pro → | ||||
Tennessee: 82nd with 0.19% · Memphis metro: 32nd, 0.63% · Jackson metro: 24th, 0.22% ·
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 7