InsBank is a state-chartered bank (fed member) headquartered in Nashville, Tennessee, in business for about 26 years. At the end of Q2 2026 it reported $1.1B in total assets and $905.8M in deposits, with 3 offices.
Based on its Q2 2026 filing, InsBank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 62nd. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (52/100; 10.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 68 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 64 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.66% |
| Q3 2024 | 11.78% |
| Q4 2024 | 11.53% |
| Q1 2025 | 11.33% |
| Q2 2025 | 11.28% |
| Q3 2025 | 11.08% |
| Q4 2025 | 10.66% |
| Q1 2026 | 10.06% |
| Q2 2026 | 10.20% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.10% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.1B | 10.20% | 0.24% | 0.94% | 99.7% |
| Q1 2026 | 67 | $1.1B | 10.06% | 0.25% | 0.89% | 95.7% |
| Q4 2025 | 64 | $1.1B | 10.66% | 0.60% | 0.65% | 95.0% |
| Q3 2025 | 67 | $962.3M | 11.08% | 0.84% | 1.05% | 95.8% |
| Q2 2025 | 69 | $946.1M | 11.28% | 0.65% | 1.00% | 98.4% |
| Q1 2025 | 67 | $934.7M | 11.33% | 0.66% | 0.91% | 98.4% |
| Q4 2024 | 68 | $903.1M | 11.53% | 0.70% | 1.07% | 100.6% |
| Q3 2024 | 66 | $869.0M | 11.78% | 1.10% | 1.07% | 96.4% |
| Q2 2024 | 66 | $833.2M | 11.66% | 1.08% | 1.06% | 99.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Centennial BankBank Trezevant, TN | 59 out of 100, Moderate | $1.1B | 9.8% | 1.26% | vs |
| Thread BankBank Rogersville, TN | 71 out of 100, Strong | $1.1B | 9.8% | 0.18% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |
| Financial Federal BankBank Memphis, TN | 67 out of 100, Moderate | $1.1B | 9.9% | 0.05% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
Deposit insurance
Is my money safe at InsBank?
Yes. InsBank is an FDIC-insured institution (FDIC certificate #35521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.1% of deposits ($182.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.19% (benchmark: 10%).
3 locations
Branches
InsBank lists 3 offices in 3 cities. Most locations:
- Brentwood, TN (1)
- Murfreesboro, TN (1)
- Nashville, TN (1)
Identity & history
Profile
- Legal name
- InsBank
- Former names
- Insurors Bank of Tennessee
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 35521
- RSSD ID
- 2877345
- Primary regulator
- FED
- Holding company
- Inscorp Inc
- Established
- November 20, 2000
- Headquarters
- 2106 Crestmoor Rd, Nashville, TN 37215
- Website
- www.insbank.com
- Employees
- 82
Quick answers
InsBank: common questions
Is InsBank FDIC insured?
Yes. InsBank is an FDIC-insured institution (FDIC certificate #35521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is InsBank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has InsBank ever failed?
There is no failure record for FDIC certificate #35521 in the FDIC failed bank list.
How many branches does InsBank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nashville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |