C
INSOUTH Bank
Rating Date
October 2025
Risk Based
Capital Ratio
11.35
Leverage
Ratio
8.68
Return On
Assets
0.83%
Total
Assets
563.66M
Capital
43.82M
Total
Deposits
484.61M
Net
Income
3.43M
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Weiss Ratings INSOUTH Bank
Brownsville, TN 		Click to
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Rating C
Asset Quality Index 4.20
Capitalization Index 6.70
Liquidity Index 1.60
Profitability Index 4.70
Stability Index 5.80
Company Info INSOUTH Bank
Brownsville, TN 		Click to
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FDIC Number 22020
Phone Number (731) 772-1201
Website www.insouth.com
Asset Quality INSOUTH Bank
Brownsville, TN 		Click to
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1-Year Asset Growth 7.38%
5-Year Asset Growth 12.04%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 1.09%
Non-Performing Loans to Capital 12.38%
Non-Performing Loans to Loans 1.41%
Balance Sheet INSOUTH Bank
Brownsville, TN 		Click to
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Total Assets 563.66M
Total Deposits 484.61M
Capital and Reserves INSOUTH Bank
Brownsville, TN 		Click to
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Capital 43.82M
Leverage Ratio 8.68
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 11.35
Liquidity INSOUTH Bank
Brownsville, TN 		Click to
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Hot Money Ratio 22.29%
Liquidity Ratio 3.50%
Profitability INSOUTH Bank
Brownsville, TN 		Click to
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5-Year Return on Average Assets 1.21%
Net Income 3.43M
Net Interest Spread 4.32%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 79.04%
Return on Assets 0.83%
Return on Equity 10.82%