Insbank
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Data as of · sourced from FFIEC call reports. How we update
Insbank is an FDIC-insured commercial bank headquartered in Nashville, TN, established in 2000 (FDIC certificate 35521), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.08B, up 14.0% from Q2 2025, the 30th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35521
- Headquarters
- Nashville, TN
- Established
- 2000
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +14.0%
- CET1 ratio, Q2 2026
- 11.00%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 064008611
- Latest call report
- Q2 2026, FFIEC 041 · Insbank call report
- Holding company
- INSCORP, INC.
- Asset rank in state
- 30th of 109 in Tennessee
Insbank pays more for its money than most banks of its size. Based in Nashville, Tennessee, it had $1.1 billion in assets at June 30, 2026, up 14.0% from a year earlier. It pays an average of 3.23% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds common equity equal to 11.00% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.24% of loans from 0.65%. Its $256 million non-owner-occupied commercial real estate book is now fully current, after 1.34% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Insbank reported a CET1 capital ratio of 11.00%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Insbank is the 30th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $1.08B, loans rose 2.0% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 31.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.1%. Its 3 offices in the FDIC Summary of Deposits are in Nashville, TN, Brentwood, TN and Murfreesboro, TN; its Nashville office books 87% of its branch deposits. Judged on its Q2 2026 call report, Insbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2106 Crestmoor Rd, Nashville, TN 37215
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 20, 2000
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $905.8M
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.08B
- Average total loans
- $911.2M
- Average interest-bearing deposits
- $802.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 20, 2000
- FDIC Cert
- 35521
- Fed RSSD
- 2877345
- SEC CIK
- 1379329 → filed by INSCORP, INC.
- Website
- www.insbank.com →
- Parent Holding Company
- INSCORP, INC. (RSSD 2877336)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Insbank's total assets ran between $811.1M (Q3 2023) and $1.08B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $946.1M; $971.2M total liabilities against $843.6M.
$902.6M net loans and leases against $787.4M; $905.8M total deposits against $800.0M.
$95.7M securities against $54.5M; $23.9M cash and balances due against $55.0M.
$16.3M total interest income against $14.4M; $7.7M total interest expense against $6.9M.
$8.5M net interest income against $7.5M.
$346K total noninterest income against $577K; $5.3M total noninterest expense against $4.5M.
$257K provision for credit losses against $380K.
$2.6M net income against $2.6M.
0.98% return on assets against 1.10%; 3.31% net interest margin against 3.36%.
11.00% CET1 capital ratio against 12.01%; 10.20% tier 1 leverage ratio against 11.28%.
Inside the full Insbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Insbank rankings
Its closest position to the top of a national ranking is 967 of 4,196, for total assets; its furthest is 1,953 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.48% (Q4 2025) to 1.13% (Q3 2025) and its net interest margin ran from 3.12% (Q1 2025) to 3.43% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 0.98% | 0.24% | 1.83% | 3.31% |
| Q1 2026 | 11.01% | 0.89% | 0.25% | 1.92% | 3.43% |
| Q4 2025 | 10.97% | -0.48% | 0.60% | 4.58% | 3.31% |
| Q3 2025 | 12.05% | 1.13% | 0.84% | 5.88% | 3.38% |
| Q2 2025 | 12.01% | 1.10% | 0.65% | 4.58% | 3.36% |
| Q1 2025 | 11.95% | 0.92% | 0.66% | 4.71% | 3.12% |
| Q4 2024 | 11.90% | 1.07% | 0.70% | 4.91% | 3.17% |
| Q3 2024 | 12.69% | 1.13% | 1.10% | 7.21% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Insbank (main office) | Nashville , TN | 37215 | $788.6M |
| Brentwood Office Branch | Brentwood , TN | 37027 | $90.1M |
| Insbank Murfreesboro Branch | Murfreesboro , TN | 37129 | $27.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in TN, rank 45 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Insbank
What are Insbank's total assets?
As of the Q2 2026 filing, Insbank reported total assets of $1.08 billion in its FFIEC call report.
Where is Insbank headquartered?
It is headquartered in Nashville, TN, United States.
When was Insbank founded?
It was established in 2000, per the FDIC institution directory.
Is Insbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Insbank?
Insbank's primary federal regulator is the Federal Reserve.
What is Insbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does Insbank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Insbank's Texas Ratio?
Its Texas Ratio is 1.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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