2106 Crestmoor Road
Nashville, TN 37215
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD 0.50% 0.67% →
2-Year CD 0.70% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

InsBank is an FDIC insured institution located in Nashville, TN. It was founded in 2000 and has approximately $0.61 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35521
Date Established 2000
Assets $ 614.87 million
Loans $ 517.87 million
Deposits $ 470.44 million
Capital $ 64.21 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 - April 17, 2021

Your Current Location: Connecticut, CT 06828

6-Month CD
0.25% $2,500 - Learn More
1-Year CD
0.50% $2,500 - Learn More
18-Month CD
0.60% $2,500 - Learn More
2-Year CD
0.70% $2,500 - Learn More
3-Year CD
0.75% $2,500 - Learn More


Loan Rates - April 17, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to InsBank
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InsBank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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InsBank Locations

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
6.73% 5.49%

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, 2020, InsBank had $4,820,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $64,208,000 in equity and $7,365,000 in loans loss reserves. That gives it a Texas Ratio of 6.73%.

Return on Equity
InsBank U.S. Bank Average
5.4% 9.24%

InsBank has a Return on Equity of 5.4% versus the BestCashCow average of 9.24%. 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
10.44% 11.96%

InsBank has a Capitalization of 10.44% versus the BestCashCow average of 11.96. 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, 2020, InsBank had assets of $614,870,000, loans of $517,870,000, and deposits of $470,435,000. 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, 2020
Cash & Balances due from depository institutions $ 36.57 million
Interest-bearing balances $ 33.36 million
Total securities $ 17.04 million
Federal funds sold and reverse repurchase $ 5.00 million
Net loans and leases $ 517.87 million
Loan loss allowance $ 7.37 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 $ 25.07 million
     Total Assets $ 550.66 million
Total deposits $ 470.44 million
      Interest-bearing deposits $ 417.76 million
      Deposits held in domestic offices $ 470.44 million
      % insured (estimated) 68.19%
Federal funds purchased and repurchase agreements $ 7.00 million
Trading liabilities N.A.
Other borrowed funds $ 68.41 million
Subordinated debt N.A.
All other liabilities $ 4.82 million
      Total Liabilities $ 550.66 million
      Shareholders’ Equity $ 64.21 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 22.70 million
Total Interest Expense $ 7.22 million
Net interest income $ 15.47 million
Provision for loan and lease losses $ 2.40 million
Total non interest income $ 1.17 million
Total non interest expense $ 9.96 million
Pre-tax Net Operating Income $ 4.28 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 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 9.11
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 4.88
Construction and Development Loans 3.62
Commercial Real Estate 49.44
Commercial and Industrial Loans 32.36
Farm Loans 0.00

Frequently Asked Questions About Insbank

Branches and Savings

Is Insbank FDIC insured?

Yes. It is covered under FDIC Certificate #35521.

Why does Insbank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Insbank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Insbank a commercial bank?


Where are Insbank locations?

See branch locations nearby.

Is Insbank open on Saturdays?

Is Insbank open on Sundays?

What time does Insbank open?

What time does Insbank close?

Are Insbank ATMs Open 24/7?

Do Insbank ATMs accept cash deposits?

Can Insbank customers use other ATMs?

Do Insbank branches have notaries?

Will Insbank notarize my document?

What address for Insbank should I put for incoming ACH transfers?

Will the Insbank branch print checks?

Do Insbank checks expire?

Does Insbank require US citizenship to open account?

Can Insbank close my account?

Does Insbank Report to credit bureaus?

Does Insbank Use Equifax?

What is Insbank's ACH Routing Number?

What is Insbank's SWIFT code?


Does Insbank offer mortgages?

Compare mortgage rates here.

Does Insbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Insbank offer personal loans?

Compare personal loan rates here.

Does Insbank offer student loans?

Will Insbank cash a check?

Will Insbank redeem a savings bond?

Does Insbank cash savings bonds?

Will Insbank cash money orders?

Can Insbank issue a money order?

Does Insbank do currency exchange?

Background on The Bank

Who owns Insbank?

How long has Insbank been around?

Can Insbank transfer to other banks?

Does Insbank have quick pay?

Does Insbank accept rolled coins?

Will Insbank accept loose change?

Where is Insbank headquarters?

Customer Reviews for InsBank

  • January 05, 2021 |

    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.

  • December 26, 2020 |

    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?

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