# INSOUTH BANK
BROWNSVILLE, TN · FDIC certificate 22020 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $591.9M | |
| Deposits | $502.8M | |
| Loans and leases | $459.3M | |
| Total equity | $45.0M | |
| Loans / deposits | 90.33% (p71 of band) | 82.04% |
| Liquid assets / assets | 14.55% (p15 of band) | |
| Uninsured deposits / deposits | 24.52% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.53% (p65 of band) | |
| FHLB advances / assets | 6.53% | |
| Tier 1 leverage | 8.48% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -13.66% (p34 of band) | -8.10% |
| AOCI / equity | -1.31% (p16 of band) | |
| ROA (annualized) | 0.84% (p24 of band) | 1.28% |
| Net interest margin | 4.38% (p76 of band) | 3.91% |
| Efficiency ratio | 76.81% (p85 of band) | |
| Noncurrent loans | 2.29% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p86 of band) | |
| Reserve coverage of noncurrent | 48.99% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 98.44% (p86 of band) | |
| Auto loans | $1.9M (0.42% of loans; DQ 2.26%, NCO 0.00%) | |
| Loans to nondepository financials | $7.6M (17% of equity) (p98 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | losing money |  |
| 2011-09 | 7 | capital falling, charge-offs p90 |  |
| 2011-12 | 5 |  | expense ratio p90, capital falling |
| 2012-03 | 6 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 5 |  | leverage <7% |
| 2012-09 | 4 |  | charge-offs p90 |
| 2012-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 2 | expense ratio p90 | charge-offs p90 |
| 2014-03 | 2 | charge-offs p90 | expense ratio p90 |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 1 |  | charge-offs p90, capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | reserve under noncurrent, capital falling |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, reserve under noncurrent |  |
| 2020-03 | 0 |  | capital falling, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 0 |  | charge-offs p90 |
| 2023-12 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity | capital falling |
| 2024-09 | 2 |  | noncurrent p90 |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | construction >100% equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | noncurrent p90, construction >100% equity | capital falling |
| 2026-06 | 2 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-18 [Covington bank employee indicted on theft charges - Action News 5](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNHFMX2QxWEd5NTJkcnFkTnQ5NTcteHRWbHBXNGVrLV80VE5ma0luMDZ1cTNvQlZRcUJWazZxOEIxekFqLXotd05iQmJaV2lsTTZHcDIwM0NyM1N6UTdEZWpOQ0tnYzA5QjZaYzhrbmhUREh0QjhQVy02YjluR3M0Q01wdTZkRXhkektjMHpfeVExWEg5VThVc9IBqwFBVV95cUxPckRFM3NuaWlTWFRpLVRZcnVSUXhXTVRnVVlQTDBJTnhjNnBnRjJ0OXlOa3ZXWC1ZSGczb1dCeXVUaGE3OTFNaWZ3TnAwQVhSbDNDR2FMc1hoYVM4MGtReE9BVUVHVTIzNXlCUGs5VUxrWmFxR2dZR2VMMTBVaFdMYVN4aXdvY1U3S2JIRVEzd0FRN0hxaGs1R25JUTZDeUxpRXFqU09scFBtR3c?oc=5) · Action News 5
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2017-08-29 [Former Bank Employee Pleads Guilty To Embezzling Nearly $900,000 - localmemphis.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNdVF5VHFPT3VvMnIyODNXcGk5U2ZSdDZ5SnB2MEZhTDh1VFJDdGtQakxiTnlLLWNLeFJnYWlmcVlNUkw0NkZrWTFzQ0FpdmQwTmZ3eENCZkg3SEg4eVQtMlFVYzRXTWttUTNxZXJRT2tzRFFqREpnS1hLN3FRNEFsbzRNNUh1QnJIRFREbWROMkZmVFRwYWNsb1V2SDQxbG1QbWlGYUxIRThWeDNacWlDTENLQUNEZkVJWVRZZHJBNnBaUG5RVnhlNEtfeFhMWlk1TVZVMnFVOWVSRUdNSUc0UGo1WFlRdw?oc=5) · localmemphis.com
- 2023-10-23 [Local artists light up fashion runway to benefit cancer research, survivors: in photos - jacksonsun.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQM2YyZTNNUWdEZEJsT1BuNi13SXlBWjV0WTFWbWlCUXJFT1FPSkVUOWk2blg4bkwzZG5qaVdjTHFyMzh6dXF2aE9ObDhsSk1DWWlWN18tWTdHajZjZUM5Q3Q4TGxwOW90c1g1MUJUTUhhZjU3Rzg4UXZMcVR5Y0NGdTF1SnBHaXdQTEQ2UF9qMHptZWNwY3pSa0YwZnRDTURLdVVkV3hKSHpXUXdnR3Z5UWpaQnkxa1RyZmQ1Mm1FUm5WRGN0WkVESVNzVGdDaWFHa1VILXpwbzJmZVBZNWtYc0tJOWR3UQ?oc=5) · jacksonsun.com
- 2021-03-04 [Betty Jo Matherne Obituary - The Commercial Appeal](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBKRkxpWE51UUZqSnh2emNCTVljWWUxVVNCel9Rc2wxRTR1Tm9GMUt5R2ZTNVAxZ2Zhc0s5VUhCYzREREVfSXRzQnJXREtRUkhLV2pVY3RHa05WX1hjTTBHODBEQQ?oc=5) · The Commercial Appeal
- 2012-02-01 [Lynda (Conner) Warner Obituary February 1, 2012 - peeblesfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1sRkhUQ0pQSDctakJDOEExVWEzNXgyUjR2UnNhYV9fazAyYWh1bUlzX2ZSUERWZVc4X21mekNyX2NySGdHa3JpYWRWWFZPTUNMRUFxd0NRXzB4bk42TkhrSTA2UlZxbzBKOHc?oc=5) · peeblesfuneralhome.com
- 2024-07-16 [James E. Trotter Obituary | Munford Chapel | Munford, TN - Tribute Archive](https://news.google.com/rss/articles/CBMidkFVX3lxTE5WcHpVZ2Y1aDRNZkY0UThtZlJWLThOeDdXT24tbEs1S1B6VndFc2l6SVBfN1ZoZHdfNlBwQUtvaW1PQndfSEF6cktFRXhvTnk4ZEFnWUZSYjJZR1l2aGQwM1FfemRaNG96YjlWVlhFNWc3RDhrcFE?oc=5) · Tribute Archive
- 2022-08-15 [Horace Drennan, III Obituary - Memphis, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdFVwRzU1MW8tRFZ1V0FjRmRhendIY0EwU3o3ZTNlSU5QMVdLVzh3VHRnUGFqSmF1LWp6Ny1IRnFFSC16V2p0UEtZcjdyRGRwTHlib1NJUjN0WWZUd05KcjFwc09tSlNldDEyaF9lMW5kRmtWWC1LankxYi1LcjFFMU96UnY2Rl9M?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22020 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "22020", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide