2106 Crestmoor Rd
Nashville, TN 37215
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD 5.38% 5.41% →
2-Year CD 3.20% 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

InsBank is an FDIC insured institution located in Nashville, TN. It was founded in 2000 and has approximately $0.83 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35521
Date Established 2000
Assets $ 833.71 million
Loans $ 671.99 million
Deposits $ 686.20 million
Capital $ 93.24 million

For a more detailed analysis of InsBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
2.38% $50,000 $249,999 Learn More
Money Market
2.53% $250,000 - Learn More
3-Month CD
2.27% $50,000 - Learn More
6 Mo CD
2.52% $50,000 - Learn More
1-Year CD
5.38% $50,000 - Learn More
14 Months CD
5.25% $50,000 - Learn More
18-Month CD
4.75% $50,000 - Learn More
22 Months CD
4.80% $50,000 - Learn More
2-Year CD
3.20% $50,000 - Learn More
3-Year CD
3.30% $50,000 - Learn More

Int Checking Rates APY MIN MAX
0.05% $2,500 $3,499 Learn MoreShow Less

Online Only CD Rates of Finworth

Online CD Rates APY MIN MAX
2 Month CD
2.27% $50,000 - Learn More
6 Month CD
2.52% $50,000 - Learn More
12 Month CD
5.38% $50,000 - Learn More
14 Month CD
5.25% $50,000 - Learn More
18 Month CD
4.75% $50,000 - Learn More
22 Month CD
4.80% $50,000 - Learn More
24 Month CD
3.20% $50,000 - Learn More
36 Month CD
3.30% $50,000 - Learn More

Bank Online Offers

Loan Rates - May 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for InsBank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
7.073% 6.990%
0.63 points
$2,697 fees
$2,127 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375%
0.75 points
$2,400 fees
$2,211 Learn More
CrossCountry Mortgage
NMLS ID: 3029

Learn More
NMLS ID: Not a Lender

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to InsBank
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Climate Policy and Initiatives

InsBank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

InsBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of InsBank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
InsBank U.S. Bank Average
1.07% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, InsBank had $1,095,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $93,236,000 in equity and $9,565,000 in loans loss reserves. That gives it a Texas Ratio of 1.07%.

Return on Equity
InsBank U.S. Bank Average
11.06% 12.20%

InsBank has a Return on Equity of 11.06% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

InsBank U.S. Bank Average
11.18% 10.76%

InsBank has a Capitalization of 11.18% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

InsBank Balance Sheet Analysis

As of December 31, 2023, InsBank had assets of $833,707,000, loans of $671,993,000, and deposits of $686,202,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 57.45 million
Interest-bearing balances $ 49.76 million
Total securities $ 58.16 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 671.99 million
Loan loss allowance $ 9.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 32.52 million
     Total Assets $ 740.47 million
Total deposits $ 686.20 million
      Interest-bearing deposits $ 615.78 million
      Deposits held in domestic offices $ 686.20 million
      % insured (estimated) 69.36%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 58.01 million
Subordinated debt N.A.
All other liabilities $ 2.70 million
      Total Liabilities $ 740.47 million
      Shareholders’ Equity $ 93.24 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 46.86 million
Total Interest Expense $ 21.43 million
Net interest income $ 25.43 million
Provision for loan and lease losses $ 0.32 million
Total non interest income $ 1.30 million
Total non interest expense $ 13.74 million
Pre-tax Net Operating Income $ 7.84 million

Bank Loan Profile?

The top three loan types in InsBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, InsBank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.82
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 4.07
Construction and Development Loans 8.66
Commercial Real Estate 41.24
Commercial and Industrial Loans 22.55
Farm Loans 0.00

Customer Reviews for InsBank (7)

  • July 7, 2022

    CDs 12 Month Rates

    Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022

  • April 29, 2021 |

    You will not collect any interest and lose a good chunk of the principal. They don't take all of it you will still recover some money. The early withdrawl clause is always part of the terms you acknowledged when opening your CD. Early withdrawl fees are another way the bank makes money so they are adamant in collecting it.

  • April 23, 2021 |

    Online CDs 12 Month Rates

    I got a decent .70% on an an 18 month $22000 CD. The rates have been dropping fast. I learned just a few weeks ago the CD APYs will be right around 0 until 2024. The analyst I quote says these rates may never climb.
    It was quick and easy to take out a CD with this outfit. I did an ACH transfer which went smoothly. I confirmed telephonically with the office and the agent was very helpful and very professional.

  • January 5, 2021 | | Replies 1

    Online CDs 12 Month Rates

    i went to open an account. I discovered the bank is based in Tennessee. TNs two senators are voting to decertify the election. I will not open an account here and neither should you. I wish the bank weren't listed here. We're in payback time now.

    | May 24, 2024

    Congratulations, you brought us this crap economy with your woke vote. There is not a pill you can take or a class you can go to.....stupid is forever.

  • December 26, 2020 | | Replies 1

    Online CDs 12 Month Rates

    I found the bank on this site, but I also saw a 30-month CD at 1.15% on their site and that interested me too. I am trying to figure out what the penalty is for early cancellation of the CD if I need my money back. I called and spoke with a nice lady on Christmas eve. She didn't know and noone called back. Does anyone know?

    Bill S. | May 24, 2024

    I have a CD from Insbank and penalties for early withdrawal on CDs are given in the Truth In Savings document. The penalty for withdrawal on a 30 month CD is 12 months interest.

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