Insbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Insbank of Nashville, TN against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.34% | -0.36% | 26th below |
| ROAE | 9.98% | 12.40% | -2.42% | 30th below |
| Net Interest Margin | 3.31% | 3.83% | -0.52% | 26th below |
| Efficiency Ratio | 59.74% | 57.84% | +1.90% | 45th below |
| PPNR / Avg Assets | 1.32% | — | — | 26th below |
| Yield on Earning Assets | 6.30% | 5.71% | +0.59% | 85th top |
| Cost of Funds | 3.23% | 2.02% | +1.21% | 5th bottom |
| Net Interest Spread | 2.73% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 1.00% | -0.76% | 78th top |
| NPA / Total Assets | 0.20% | — | — | 76th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.25% | — | — | 63rd above |
| ACL / NPLs (Coverage) | 523.54% | — | — | 82nd top |
| Texas Ratio | 1.83% | 5.47% | -3.64% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.00% | 14.99% | -3.99% | 10th bottom |
| Tier 1 Ratio | 11.00% | 15.02% | -4.02% | 10th bottom |
| Total Capital Ratio | 12.19% | — | — | 12th bottom |
| Leverage Ratio | 10.20% | 11.11% | -0.91% | 42nd below |
| Equity / Assets | 9.95% | 11.02% | -1.07% | 42nd below |
| TCE / Tangible Assets | 9.95% | — | — | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.91% | 86.99% | +13.92% | 15th bottom |
| Core Deposit Ratio | 72.35% | 85.57% | -13.22% | 11th bottom |
| Wholesale Funding Ratio | 5.10% | — | — | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.01% | — | — | 85th top |
| Loan Growth (Y/Y) | 14.55% | — | — | 84th top |
| Deposit Growth (Y/Y) | 13.22% | — | — | 83rd top |
See Insbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Insbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Insbank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Insbank peer analysis.