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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brownsville, TN · FDIC certificate #22020
INSOUTH BANK is an FDIC-insured institution based in Brownsville, TN (FDIC certificate #22020). In its Q3 2026 Call Report it reported total assets of $594M, total deposits of $493M and net loans of $462M. Its primary federal regulator is FED.
Plain-language readout
INSOUTH BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $594M in Q3 2026 and were lowest at $568M in Q1 2026.
Total deposits were highest at $509M in Q1 2026 and lowest at $493M in Q3 2026.
Over the whole period total assets rose 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $594M | $493M | $462M | 0.71% | 9.29% | 4.34% |
| Q2 2026 | $592M | $503M | $454M | 0.84% | 10.88% | 4.38% |
| Q1 2026 | $568M | $509M | $436M | 0.82% | 10.44% | 4.29% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.0M | $12.8M | -$775K | -6.1% |
| Federal funds sold | $40K | $676K | -$636K | -94.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $74.1M | $68.6M | +$5.5M | +8.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $454.2M | $435.6M | +$18.6M | +4.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $28.4M | $28.4M | -$54K | -0.2% |
| Other real estate owned | $314K | $314K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $23.0M | $22.1M | +$889K | +4.0% |
| Total assets | $591.9M | $568.4M | +$23.5M | +4.1% |
| Liabilities | ||||
| Total deposits | $502.8M | $508.7M | -$5.9M | -1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $38.7M | $10.6M | +$28.1M | +265.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.4M | $4.5M | +$835K | +18.4% |
| Total liabilities | $546.8M | $523.8M | +$23.0M | +4.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | $0K | 0.0% |
| Surplus | $22.0M | $22.0M | $0K | 0.0% |
| Retained earnings | $25.7M | $25.3M | +$471K | +1.9% |
| Accumulated other comprehensive income | -$4.8M | -$4.8M | +$30K | +0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.0M | $44.5M | +$501K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.8M | $12.1M | -$1.3M | -10.7% |
| Adjusted nonperforming assets | $10.8M | $12.1M | -$1.3M | -10.7% |
| Tangible equity plus allowance | $50.2M | $49.6M | +$555K | +1.1% |
| Texas ratio (gross) | 21.55% | 24.40% | -2.84 pts | See points |
| Texas ratio (adjusted) | 21.55% | 24.40% | -2.84 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 21.75% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 10.19% | 10.12% | +0.07 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.19% | 10.12% | +0.07 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.05% | 1.04% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.24% | 11.17% | +0.08 pts | See points |
| Tier 1 leverage (approximate) | 8.48% | 8.59% | -0.11 pts | See points |
| Construction and land loans to total capital | 80.67% | 83.75% | -3.08 pts | See points |
| Commercial real estate to total capital | 295.14% | 286.05% | +9.08 pts | See points |
| Dividend payout, year to date | 65.68% | 68.61% | -2.93 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.35% | -12.55% | +0.19 pts | See points |
| Liquidity | ||||
| Core deposits | $458.4M | $465.9M | -$7.6M | -1.6% |
| Non-core funding | $83.1M | $53.4M | +$29.7M | +55.7% |
| Loans to core deposits | 100.21% | 94.59% | +5.62 pts | See points |
| Loans to deposits | 91.35% | 86.63% | +4.72 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 77.40% | 86.17% | -8.77 pts | See points |
| Loans pledged, share of loans | 55.96% | 55.92% | +0.04 pts | See points |
| Volatile liabilities | $100.7M | $70.7M | +$30.0M | +42.4% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.5M | +$1.7M | +116.2% |
| Earnings before provision, single quarter | $1.7M | $1.5M | +$238K | +16.2% |
| Provision for credit losses, year to date | $444K | $157K | +$287K | +182.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.89% | 6.66% | +0.24 pts | See points |
| Yield on interest-bearing balances due from banks | 3.46% | 3.46% | -0.01 pts | See points |
| Total interest income to average assets | 5.81% | 5.63% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.65% | 1.66% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.64% | 1.66% | -0.02 pts | See points |
| Cost of time deposits | 3.44% | 3.51% | -0.07 pts | See points |
| Total interest expense to average assets | 1.84% | 1.83% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $594M | $493M | $462M | 0.71% | 9.29% | 4.34% |
| 2026-06-30 | $592M | $503M | $454M | 0.84% | 10.88% | 4.38% |
| 2026-03-31 | $568M | $509M | $436M | 0.82% | 10.44% | 4.29% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $488.9M | 0.21% | 70 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.