Insouth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Insouth Bank of Brownsville, TN against its peer group of 2672 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 | 0.86% | 1.34% | -0.48% | 26th below |
| ROAE | 11.34% | 13.32% | -1.98% | 44th below |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 75.10% | 61.13% | +13.97% | 19th bottom |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 84th top |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.91% | 3.32% | +0.59% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.37% | 0.94% | +1.43% | 10th bottom |
| NPA / Total Assets | 1.89% | 0.70% | +1.19% | 8th bottom |
| NCO / Avg Loans | 0.21% | 0.16% | +0.05% | 12th bottom |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 41st below |
| ACL / NPLs (Coverage) | 47.28% | 1539.61% | -1492.33% | 9th bottom |
| Texas Ratio | 27.38% | 7.32% | +20.06% | 4th bottom |
| Provision / NCO | 135.37% | 1396.59% | -1261.22% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.19% | 19.51% | -9.32% | 3rd bottom |
| Tier 1 Ratio | 10.19% | 19.54% | -9.35% | 3rd bottom |
| Total Capital Ratio | 11.24% | 20.63% | -9.39% | 3rd bottom |
| Leverage Ratio | 8.48% | 12.14% | -3.66% | 6th bottom |
| Equity / Assets | 7.61% | 11.38% | -3.77% | 10th bottom |
| TCE / Tangible Assets | 7.61% | 11.10% | -3.49% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.35% | 80.63% | +10.72% | 25th below |
| Core Deposit Ratio | 91.16% | 86.86% | +4.30% | 62nd above |
| Wholesale Funding Ratio | 6.53% | 5.03% | +1.50% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.75% | 6.85% | +2.90% | 82nd top |
| Loan Growth (Y/Y) | 10.65% | 7.90% | +2.75% | 76th top |
| Deposit Growth (Y/Y) | 2.84% | 6.29% | -3.45% | 42nd below |
See Insouth Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Insouth Bank, 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 Insouth Bank profile, how to read a UBPR, or how this data updates.