# INSBANK
NASHVILLE, TN · FDIC certificate 35521 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.08B | |
| Deposits | $905.8M | |
| Loans and leases | $914.0M | |
| Total equity | $107.4M | |
| Loans / deposits | 99.65% (p85 of band) | 87.10% |
| Liquid assets / assets | 11.09% (p8 of band) | |
| Uninsured deposits / deposits | 20.10% (p18 of band) | 30.76% |
| Brokered deposits | 18.57% | |
| Wholesale funding | 23.67% (p92 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 10.20% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -2.90% (p75 of band) | -7.75% |
| AOCI / equity | -0.65% (p28 of band) | |
| ROA (annualized) | 0.94% (p26 of band) | 1.26% |
| Net interest margin | 3.43% (p33 of band) | 3.70% |
| Efficiency ratio | 60.66% (p56 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 523.54% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 91.75% (p84 of band) | |
| Auto loans | $18,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.3M (9% of equity) (p86 of band) | |
| Deposits YoY | 13.2% | |
| Employees | 82 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | brokered >10% |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | brokered >10%, capital falling | loans exceed deposits |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 | loans exceed deposits | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 5 | capital falling, construction >100% equity |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 6 | liquid assets <10%, uninsured deposits leaving | capital falling |
| 2015-06 | 4 |  | liquid assets <10%, uninsured deposits leaving |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 4 |  | capital falling |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | construction >100% equity |
| 2016-09 | 5 | liquid assets <10%, construction >100% equity |  |
| 2016-12 | 6 | capital falling |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 5 |  | capital falling |
| 2017-09 | 6 | reserve under noncurrent |  |
| 2017-12 | 6 | capital falling | reserve under noncurrent |
| 2018-03 | 5 |  | liquid assets <10% |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | liquid assets <10% |  |
| 2018-12 | 3 |  | construction >100% equity, capital falling, liquid assets <10% |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | liquid assets <10% |  |
| 2020-03 | 3 |  | liquid assets <10% |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 | liquid assets <10% | capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 8 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2021-06 | 4 |  | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 | loans exceed deposits | brokered >10% |
| 2022-09 | 4 | brokered >10%, liquid assets <10% |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | liquid assets <10% |
| 2023-06 | 5 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 3 |  | capital falling, uninsured deposits leaving |
| 2023-12 | 2 |  | loans exceed deposits |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | uninsured deposits leaving |
| 2024-12 | 5 | loans exceed deposits, construction >100% equity, uninsured deposits leaving |  |
| 2025-03 | 3 | capital falling | loans exceed deposits, construction >100% equity, uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 3 |  | charge-offs p90 |
| 2026-06 | 2 |  | capital falling |

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

- 2024-04-09 [INSBANK Hires Peyton Green to Succeed Retiring CFO - PR Newswire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUFR1YVcyY1dsWXdKQlU3SDIzN0JVUG13Y1B3NzRnX0tueE1POGdvSzFLR0dVbWJwVjJDVVE1Q3hJQk9OWUlQTEczWGpnV3dtQ3dySWJJaGpSMnV5ZGUxU18yQUhHNlgyWmViNXN3SS1aamtFbGlBVzNEWEZZbnJ5bjltLXVtY09pYUF5T1pMODA0VkVJYlJDbHNhaURRYWVzS014V2Q0ZDNuQQ?oc=5) · PR Newswire
- 2026-04-25 [40 Under 40: Blake Wilson, Insbank - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOb0RzUHRuMXZkVG9fMkZWbHBHb29reERwX2dnQTBFQVZwV2NSN19fNjFKMVl1OVZaZFo2c19zYjMwV3kxZEdXTU52STZZNW1DT1R0RUVMQV9UMUF5ekVWOXU0UGNZaWN3dFdTNzlfUzdBYnRLTkJOS3hiX1c5NTRFZExiUEVQME9lVThGQTl0N2YySFJhWlE?oc=5) · The Business Journals
- 2024-08-06 [Connection Over Competition: How Chief Deposit Officers Plan to Win Deposits - The Financial Brand](https://news.google.com/rss/articles/CBMixAFBVV95cUxPVU1LVGpqRklkUDZSS29XTzJ6OUF0d0p0QzgwXzRoRkNwSW1wWW9vbnJndDZPQU5mQkpUejNtQXlMNmczSWdxR1dSd25XZktrbEZqamtVSnRYVEwtNHJrT0lKbGRUWlQ2M1hFUmNiSTNjc0F5TEp5dzlpbjFheHhPNFF5R3gtcUJBdzZqbldRSXFqcHAzMXZTUmNWcmg4NHhVMnc5TEtjNkE5RjZlOUlrX19XNzhPOEotbTl0TVR2ckhCYUkt?oc=5) · The Financial Brand
- 2015-12-10 [INSBANK breaks ground in Brentwood at former site of Hobby Express - Williamson Herald](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVjFqZ2Eydk4xN2JrRVNQQ0ExSmFRbGhMMzhBTDcyNG9EUWtMMXVaRDZEekQ2eWxwXzN3ZGlVSFRZd1AtME5ia2JWd3pqdExFU0daOWJLUlpSUG9KakR4dHFtZThtQjZoaFZlWmprOFlpMzBGaTBySlZ2NDZ1WEQ3dW5SbHZ0SVpFamQyRzhpMG9VbUV3RXNrY1FRSUFFbTlYX3YzWTFjQ0hCSWh4WlpoR3hnMG5aVzAxblVfOGJxZw?oc=5) · Williamson Herald
- 2021-04-30 [InsBank lures Pinnacle SVP - Nashville Post](https://news.google.com/rss/articles/CBMitgFBVV95cUxQWWFuTE5hVXQ3RU4zSUswdXlVanVzSFA4c3F6WS0yVXhDQkY2VnpCalRlUGZtTFB5NlZQa0lhVEZFeDBXUjliZjE0U1g0Q1hCcGtDbEVBZE5sSXBUZXktY2p3aEpFenBLdDJKaXhZbW84SGpiVE0wRXlWTXVjNzA1eUdnSC1JdDNzVjBmX1VoQ0ZZcmtRN1FiZ2pWX0F0LXh1OWxiUklOUDBlM2UyM1hsVWd3MFhnZw?oc=5) · Nashville Post
- 2026-07-31 [InsCorp, Inc. Reports Results for 2Q26 - Morningstar](https://news.google.com/rss/articles/CBMingFBVV95cUxQMF92RVFpNFJ0eFlNaFpsNDhxald2RGE0a1RNamt2RlhGR0tQcjVNNGw2VU1rY2ZLdVM5VXFIaGo4UE1sYlByMmRXX00zRzZzQ1ZtY0ljX2hSUlJnaVNSMGNsalY1azYxOXRtZXVZZ29mU2pkNHNOZzhwN2NRbW5FVXFTUjVsWGZ0T1NTR1RWY19ZTzR2NTZ0X0N0OC1PQQ?oc=5) · Morningstar
- 2021-07-14 [InsCorp. Announces New Appointment to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPQWcyRmNQOGduYk16aUc2MlNaS283S1ZjT214RFM3TnRyNWpJZzg2TDJ4NG9HaEd5d1lhYXZFQnJreU45ZG0xUHpZaUFZMTNmYVhGb1pEelBDS3JtSDFjM250MkhyNFFaMmlnX0o4bG9ZR2xhemRQeVVHMG1pMEN2OURFcHZfTUloRWNLN2QwejNqRUxnOGtxcjhqRUt5RnVlRy1kdXhPOElkcDZpZThRSw?oc=5) · PR Newswire
- 2025-12-15 [Of Note: InsBank reports loan fraud incident - Nashville Post](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPaEJQdnZTMXpWSTUyTk9yczdFX0xDMVI3ZjdPeUJPOGRkVmRyMDB4N3dKWGswSVIxSlhOWERyUjhEeklaYXMzRVNkMTZSZGJrVTZxdjJuOTFGems2Tl9tNmJMNUlrTEtudlU4b0dzLTdYaDBnOFgyaWUtcndyMUdFaUlYMWUxWlg0NXctQXNRSGx4N3ZrLTNHLTRiNmhQUkxtQ1puN0NSOHhVVW0xZFRSZ21qdVo4dk1MbnhCcEtkV29QWENvaFJBTVVkRW4wVFF0dGY1dGhjMA?oc=5) · Nashville Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35521 (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/1.json (key "35521", 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