Insouth Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.72 percentage points higher than in Q1 2026, at 91.35%. Insouth Bank ranks 80th of 109 Tennessee banks on return on assets, in the lower half at 0.86% (Q2 2026). Insouth Bank reported 0.86% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.19% |
| Tier 1 risk-based capital ratio | 10.19% |
| Total risk-based capital ratio | 11.24% |
| Tier 1 leverage ratio | 8.48% |
| Equity capital to assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.37% |
| Non-performing assets ratio | 1.89% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 27.38% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 47.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 11.34% |
| Net interest margin | 4.38% |
| Efficiency ratio | 75.10% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.35% |
| Core deposits to total deposits | 91.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.95% |
| Securities to assets | 12.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.39% | 0.41% |
| Q4 2023 | — | — | — | 9.22% | 0.49% |
| Q1 2024 | — | — | — | 9.18% | 1.10% |
| Q2 2024 | — | — | — | 9.21% | 0.74% |
| Q3 2024 | — | — | — | 9.12% | 0.86% |
| Q4 2024 | — | — | — | 8.99% | 1.05% |
| Q1 2025 | 10.68% | 10.68% | 11.93% | 8.78% | 0.70% |
| Q2 2025 | 10.65% | 10.65% | 11.90% | 8.76% | 0.90% |
| Q3 2025 | 10.21% | 10.21% | 11.35% | 8.68% | 0.90% |
| Q4 2025 | 10.09% | 10.09% | 11.12% | 8.53% | 1.02% |
| Q1 2026 | 10.12% | 10.12% | 11.17% | 8.59% | 0.81% |
| Q2 2026 | 10.19% | 10.19% | 11.24% | 8.48% | 0.86% |
Insouth Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Insouth Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Insouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22020) · FFIEC NIC profile (RSSD 329550)