INSOUTH BANK

BROWNSVILLE, TN | Medium | Est. Jan. 1, 1869, midnight | FDIC #22020 | RSSD #329550 | FED
Latest Report: 2025-12-31

INSOUTH BANK is amn medium FDIC-insured commercial bank headquartered in BROWNSVILLE, TN, established in Jan. 1, 1869, midnight. As of 2025-12-31, the bank reported total assets of $573M and total deposits of $499M. Profitability stands at 1.03% ROA and 13.25% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 10.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.93% and a Texas Ratio of 18.00%. FDIC Certificate #22020.

Assets

$573M

Deposits

$499M

Loans

$448M

Equity

$45M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 13.25%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.38%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 1.93%
Net Charge-Off Ratio 0.15%
Texas Ratio 18.00%
NPA Ratio 1.57%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.09%
Tier 1 Capital 10.09%
Total Capital Ratio 11.12%
Leverage Ratio 8.53%
Loan-to-Deposit 89.64%

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