0.89%
−2.4%y/y
Peer standing29th percentile
FDIC
NETINC + ROAI
InsBank
Nashville, TennesseeFDIC Cert #35521
STATEEstablished 20003 branches
Holding company: INSCORP INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
9.07%
+8.0%y/y
Peer standing32nd percentile
FDIC
NETINC + ROE1.06%
−6.7%y/y
Peer standing27th percentile
FDIC
PTAXNETINC + ASSET3.49%
+11.0%y/y
Peer standing38th percentile
FDIC
NIM + NIMY6.57%
+4.7%y/y
Peer standing90th percentile
FDIC
INTINCY3.75%
−4.2%y/y
Peer standing8th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
61.31%
+1.7%y/y
Peer standing51st percentile
FDIC
NONIX + NIM + NONII + EEFFR1.92%
+0.9%y/y
Peer standing83rd percentile
FDIC
NONIX + ASSET−4.83%
−176.6%y/y
Percentile by value0th percentileby value
FDIC
NONII + NIM+15.29%
+14.9%y/y
Percentile by value88th percentileby value
FDIC
ASSET+17.47%
+2.0%y/y
Percentile by value89th percentileby value
FDIC
DEP+14.27%
−10.0%y/y
Percentile by value84th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.89%29th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.07%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.49%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.31%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+17.47%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+14.27%84th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.27%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.06%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.75%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC312%82nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.89%36th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.06%90th 1.94%Observations 110
ROE
FDIC
NETINC + ROE9.07%34th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.67%Median 10.93%90th 19.22%Observations 110
NIM
FDIC
NIM + NIMY3.49%27th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 3.91%90th 4.75%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.31%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.24%Median 64.73%90th 82.26%Observations 110
Deposits YoY
FDIC
DEP+17.47%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.56%Median +4.67%90th +17.42%Observations 110
Loans YoY
FDIC
LNLSNET+14.27%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +8.14%90th +17.99%Observations 110
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.27%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 1.63%Observations 110
Leverage
FDIC
RBC1AAJ10.06%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.54%90th 14.36%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.75%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.65%90th 3.27%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC312%88th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 81%Median 202%90th 319%Observations 74
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.89%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.34%90th 2.05%Observations 25
ROE
FDIC
NETINC + ROE9.07%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.33%Median 13.96%90th 21.00%Observations 25
NIM
FDIC
NIM + NIMY3.49%42nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.74%Median 3.65%90th 4.52%Observations 25
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.31%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.19%Median 57.76%90th 68.06%Observations 25
Deposits YoY
FDIC
DEP+17.47%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.70%Median +5.48%90th +23.80%Observations 25
Loans YoY
FDIC
LNLSNET+14.27%79th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.90%Median +6.54%90th +18.77%Observations 25
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.27%58th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.31%90th 1.24%Observations 25
Leverage
FDIC
RBC1AAJ10.06%46th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.13%Median 10.48%90th 12.47%Observations 25
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.75%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.76%Median 2.80%90th 3.57%Observations 25
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC312%65th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 232%90th 341%Observations 18
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.