Insouth Bank
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Data as of · sourced from FFIEC call reports. How we update
Insouth Bank is an FDIC-insured commercial bank headquartered in Brownsville, TN, established in 1869 (FDIC certificate 22020), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $591.9M, up 9.8% from Q2 2025, the 49th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 10.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22020
- Headquarters
- Brownsville, TN
- Established
- 1869
- Total assets, Q2 2026
- $591.9M
- Assets vs Q2 2025
- +9.8%
- CET1 ratio, Q2 2026
- 10.19%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 084301408
- Latest call report
- Q2 2026, FFIEC 051 · Insouth Bank call report
- Holding company
- INDEPENDENT SOUTHERN BANCSHARES, INC.
- Asset rank in state
- 49th of 109 in Tennessee
Problem loans are rising at Insouth Bank. It reported $592 million in assets at June 30, 2026, up 9.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.29% of loans from 1.59% a year earlier. It holds common equity equal to 10.19% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 10.6% and deposits rose 2.8%. The non-owner-occupied commercial real estate book ($113 million) is worsening: 1.61% of it is past due or on nonaccrual, up from 0.05% a year earlier. Credit is the area to watch: it carries problem assets equal to 21.6% of the capital and reserves that would absorb them, 8.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Insouth Bank reported a CET1 capital ratio of 10.19%, a return on assets of 0.86%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 21.55%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Insouth Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.1% to $591.9M, loans rose 4.2% and deposits fell 1.2%. 1-4 family residential loans made up 28.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.5%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in TN; its Brownsville 2 offices book 45% of its branch deposits. By the capital ratios in its Q2 2026 call report, Insouth Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 S Washington Ave, Brownsville, TN 38012
- County
- Haywood
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1869
- Former names
- INSOUTH Bank of Brownsville (1998); Brownsville Bank (1975-1998)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $502.8M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $328K
- Average total assets
- $587.7M
- Average total loans
- $452.2M
- Average interest-bearing deposits
- $412.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 15, 1975
- FDIC Cert
- 22020
- Fed RSSD
- 329550
- Website
- www.insouth.com →
- Parent Holding Company
- INDEPENDENT SOUTHERN BANCSHARES, INC. (RSSD 1100000)
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
From Q3 2023 to Q2 2026, Insouth Bank's total assets ranged from $491.1M (Q3 2023) to $591.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$591.9M total assets against $539.3M; $546.8M total liabilities against $496.8M.
$454.1M net loans and leases against $409.4M; $502.8M total deposits against $488.9M.
$74.1M securities against $70.9M; $12.0M cash and balances due against $11.3M.
$8.5M total interest income against $8.0M; $2.7M total interest expense against $2.6M.
$5.8M net interest income against $5.4M.
$1.1M total noninterest income against $968K; $5.2M total noninterest expense against $5.1M.
$287K provision for credit losses against $10K.
$1.3M net income against $1.2M.
0.86% return on assets against 0.90%; 4.38% net interest margin against 4.37%.
10.19% CET1 capital ratio against 10.65%; 8.48% tier 1 leverage ratio against 8.76%.
Inside the full Insouth Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Insouth Bank rankings
Its closest position to the top of a national ranking is 142 of 3,640, for Texas Ratio; its furthest is 2,080 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.05% (Q4 2024) and its net interest margin ran from 4.20% (Q3 2024) to 4.40% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.19% | 0.86% | 2.29% | 21.55% | 4.38% |
| Q1 2026 | 10.12% | 0.81% | 2.68% | 24.40% | 4.20% |
| Q4 2025 | 10.09% | 1.02% | 1.95% | 18.12% | 4.29% |
| Q3 2025 | 10.21% | 0.90% | 1.52% | 13.52% | 4.40% |
| Q2 2025 | 10.65% | 0.90% | 1.59% | 13.71% | 4.37% |
| Q1 2025 | 10.68% | 0.70% | 1.51% | 13.06% | 4.20% |
| Q4 2024 | — | 1.05% | 1.52% | 13.20% | 4.30% |
| Q3 2024 | — | 0.86% | 1.63% | 13.72% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Insouth Bank (main office) | Brownsville , TN | 38012 | $225.5M |
| Highway 51 South Branch | Covington , TN | 38019 | $107.2M |
| Atoka Branch | Atoka , TN | 38004 | $65.9M |
| Millington Branch | Millington , TN | 38053 | $57.9M |
| Farmington Branch | Germantown , TN | 38138 | $35.3M |
| Jackson Branch | Jackson , TN | 38305 | $11.0M |
| Dupree Street Branch | Brownsville , TN | 38012 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 30, 2004 | Structure Change | Acquired Insouth Investments Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 1998 | Structure Change | Acquired INSOUTH Bank of Covington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, INDEPENDENT SOUTHERN BANCSHARES, INC., not the bank itself
- Period: Most recent institution action September 6, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TN, rank 70 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Insouth Bank
What are Insouth Bank's total assets?
As of the Q2 2026 filing, Insouth Bank reported total assets of $591.9 million in its FFIEC call report.
Where is Insouth Bank headquartered?
It is headquartered in Brownsville, TN, United States.
When was Insouth Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Insouth Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Insouth Bank?
Insouth Bank's primary federal regulator is the Federal Reserve.
What is Insouth Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does Insouth Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Insouth Bank's Texas Ratio?
Its Texas Ratio is 21.55% 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.
What was Insouth Bank previously called?
The charter now named Insouth Bank has also operated as INSOUTH Bank of Brownsville (1998), Brownsville Bank (1975-1998), per FDIC structure-change records.
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