INSOUTH Bank is a state-chartered bank (fed member) headquartered in Brownsville, Tennessee, in business for about 157 years. At the end of Q2 2026 it reported $591.9M in total assets and $502.8M in deposits, with 7 offices.
Based on its Q2 2026 filing, INSOUTH Bank scores 42/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 106th. Its strongest component is funding & liquidity (59/100; 90% loans-to-deposits, 25% uninsured), and its lowest is loan quality (24/100; 2.29%).
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
From Q2 2025 to Q2 2026, the score fell 9 points (51 → 42), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 52 |
| Q4 2024 | 53 |
| Q1 2025 | 50 |
| Q2 2025 | 51 |
| Q3 2025 | 50 |
| Q4 2025 | 46 |
| Q1 2026 | 39 |
| Q2 2026 | 42 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.21% |
| Q3 2024 | 9.12% |
| Q4 2024 | 8.99% |
| Q1 2025 | 8.78% |
| Q2 2025 | 8.76% |
| Q3 2025 | 8.68% |
| Q4 2025 | 8.53% |
| Q1 2026 | 8.59% |
| Q2 2026 | 8.48% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.31% |
| Q3 2024 | 1.63% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.59% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.95% |
| Q1 2026 | 2.68% |
| Q2 2026 | 2.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $591.9M | 8.48% | 2.29% | 0.84% | 90.3% |
| Q1 2026 | 39 | $568.4M | 8.59% | 2.68% | 0.82% | 85.6% |
| Q4 2025 | 46 | $572.7M | 8.53% | 1.95% | 0.89% | 88.6% |
| Q3 2025 | 50 | $563.7M | 8.68% | 1.52% | 0.84% | 89.1% |
| Q2 2025 | 51 | $539.3M | 8.76% | 1.59% | 0.81% | 83.7% |
| Q1 2025 | 50 | $543.0M | 8.78% | 1.51% | 0.71% | 81.4% |
| Q4 2024 | 53 | $531.2M | 8.99% | 1.52% | 0.94% | 84.5% |
| Q3 2024 | 52 | $524.9M | 9.12% | 1.63% | 0.90% | 85.7% |
| Q2 2024 | 45 | $512.3M | 9.21% | 2.31% | 0.92% | 84.6% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| Andrew Johnson BankBank Greeneville, TN | 73 out of 100, Strong | $611.9M | 11.2% | 0.83% | vs |
| TriStar BankBank Dickson, TN | 64 out of 100, Moderate | $562.7M | 9.8% | 0.61% | vs |
| CBBC BankBank Maryville, TN | 89 out of 100, Very strong | $562.1M | 14.2% | 0.01% | vs |
| BankTennesseeBank Collierville, TN | 58 out of 100, Moderate | $630.3M | 9.7% | 1.20% | vs |
| Bank of BartlettBank Bartlett, TN | 54 out of 100, Below average | $551.8M | 8.5% | 0.98% | vs |
Deposit insurance
Is my money safe at INSOUTH Bank?
Yes. INSOUTH Bank is an FDIC-insured institution (FDIC certificate #22020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($123.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.24% (benchmark: 10%).
7 locations
Branches
INSOUTH Bank lists 6 offices in 6 cities. Most locations:
- Atoka, TN (1)
- Brownsville, TN (1)
- Covington, TN (1)
- Germantown, TN (1)
- Jackson, TN (1)
- Millington, TN (1)
Identity & history
Profile
- Legal name
- INSOUTH Bank
- Former names
- Brownsville Bank; INSOUTH Bank of Brownsville
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 22020
- RSSD ID
- 329550
- Primary regulator
- FED
- Holding company
- Independent S Bancshares Inc
- Established
- January 1, 1869
- Headquarters
- 111 S Washington Ave, Brownsville, TN 38012
- Website
- www.insouth.com
- Employees
- 111
Quick answers
INSOUTH Bank: common questions
Is INSOUTH Bank FDIC insured?
Yes. INSOUTH Bank is an FDIC-insured institution (FDIC certificate #22020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is INSOUTH Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has INSOUTH Bank ever failed?
There is no failure record for FDIC certificate #22020 in the FDIC failed bank list.
How many branches does INSOUTH Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brownsville
| 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 |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |
| The Lauderdale County BankBank Halls, TN | 67 out of 100, Moderate | $67.5M | 11.5% | 1.50% | vs |