Banks INSOUTH BANK

INSOUTH BANK

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

INSOUTH BANK is an 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%. CET1 capital ratio: 10.09%, well above regulatory minimums. NPL ratio: 1.93% · Texas Ratio: 18.00%.

Assets
$573M
Deposits
$499M
Loans
$448M
Equity
$45M

Profitability

Return on Assets (ROA)1.03%
Return on Equity (ROE)13.25%
Net Interest Margin4.30%
Yield on Assets6.38%
Cost of Funds2.09%

Asset Quality

NPL Ratio1.93%
Net Charge-Off Ratio0.15%
Texas Ratio18.00%
NPA Ratio1.57%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio10.09%
Tier 1 Capital10.09%
Total Capital Ratio11.12%
Leverage Ratio8.53%
Loan-to-Deposit89.64%

This is just the summary.

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