Insouth Bank (FDIC #22020): Bank Stress & Real-Estate Credit Exposure

Insouth Bank (FDIC Cert #22020): bank stress 82/100, severe, STABLE over 7 days; parent INDEPENDENT S BANCSHARES INC.

Insouth Bank (#22020) lends in 4 counties across 1 state; Insouth Bank (#22020) reaches 65 ZIP codes: Tennessee 4 counties, 65 ZIPs.

Insouth Bank (#22020) largest markets: Shelby County, TN (82 branches, 41 ZIPs) (#22020), Madison County, TN (13 branches, 13 ZIPs) (#22020), Tipton County, TN (20 branches, 10 ZIPs) (#22020), Haywood County, TN (12 branches, 6 ZIPs) (#22020).

Insouth Bank (#22020) reports $591.9 million in total assets; Insouth Bank (#22020) equity $45.0 million (7.6% of Insouth Bank (#22020) assets); Insouth Bank (#22020) domestic deposits $502.8 million; Insouth Bank (#22020) net income $2.4 million; Insouth Bank (#22020) return on assets 0.84%; Insouth Bank (#22020) return on equity 10.88%; Insouth Bank (#22020) net interest income $11.3 million; Insouth Bank (#22020) call report June 30, 2026.

Insouth Bank (#22020) noncurrent real-estate loans: none reported; Insouth Bank (#22020) net charge-offs on real estate 2.60%; Insouth Bank (#22020) residential charge-offs 4.56%.

Insouth Bank (#22020) net interest margin 4.38% against an eight-quarter Insouth Bank (#22020) average of 4.38% (Insouth Bank (#22020) compression -0.00 points); Insouth Bank (#22020) real-estate loans 0.1% of equity; Insouth Bank (#22020) non-residential real estate 455.6% of equity; Insouth Bank (#22020) rate-exposure score 40/100, Insouth Bank (#22020) fixed-rate trap 40/100; Insouth Bank (#22020) risk type credit driven; Insouth Bank (#22020) rate regime rates elevated, Insouth Bank (#22020) snapshot October 19, 2026.

Insouth Bank (#22020) stress score moved from 80.2 on June 22, 2026 to 82.1 on October 19, 2026; Insouth Bank (#22020) ranged 80.2 to 82.1 over 116 snapshots.

Insouth Bank (#22020) alerts: 4 counties; top Insouth Bank (#22020) alert scores: Jackson County, TN 40 (moderate); Brownsville County, TN 27 (low); Covington County, TN 27 (low); Millington County, TN 27 (low).