What INSBANK does

INSBANK is a Tennessee-chartered commercial bank founded in 2000 and headquartered in Nashville, operating three branches across the Green Hills, Brentwood, and Murfreesboro markets of Middle Tennessee. The bank is privately held under the bank holding company InsCorp, Inc., which trades on the OTCQX market under ticker IBTN. Its product portfolio centers on three core lines — Commercial Lending, Commercial Deposits, and a Private Client Group for high-net-worth individuals — supplemented by a treasury management suite (Remote Deposit Capture, ACH and Check Positive Pay, digital wire initiation with dual control, Zero Balance Account/Sweep services, and ACH origination) delivered through a third-party web and mobile digital banking platform.

INSBANK pursues a relationship-driven, niche-vertical banking model rather than a digital-first acquisition approach. Its largest strategic vertical is healthcare, served through the wholly-owned Medquity division and the long-standing TMA Medical Banking channel partnership with the Tennessee Medical Association (est. 2013), which finances medical, dental, veterinary, and surgery-center practices. Other targeted verticals include hospitality, bourbon and spirits (with bespoke inventory financing for aging product), logistics, real estate, manufacturing, and non-profits. The bank monetizes primarily through net interest income (30% Y/Y growth to $8.4M in Q1 2026) supplemented by treasury management, lending, and deposit service fees under quote-based, relationship-priced commercial terms.

At roughly $900M in total assets, an $800M loan portfolio, 51–100 employees, and Q1 2026 ROATCE of 9.8%, INSBANK has scaled meaningfully while maintaining community-bank economics. Recent operating cadence — 13% loan growth and 19% deposit growth in 2025, an ongoing Murfreesboro expansion ahead of plan, and the build-out of the Finworth digital sub-brand and Reel Bank Media content platform — points to a still-building franchise. A $5M loan fraud exposure was fully charged off in late 2025 and characterized by management as isolated.

Name

INSBANK

Legal name

INSBANK

Website

https://insbank.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

INSBANK is a Nashville-based commercial bank founded in 2000, serving entrepreneurs, healthcare practices (via its Medquity division), and high-net-worth individuals across Middle Tennessee through three branches, a treasury management suite, and a relationship-led niche-vertical lending model.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Healthcare & Pharmaceuticals (FSABACAN)

akta.pro secondary industries

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Commercial banking services
• Business lending
• Treasury management
• Healthcare banking
• Private banking

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Net Interest Income: Interest income from loans and investments minus interest paid on deposits. Primary revenue driver with 30% Y/Y growth to $8.4M in Q1 2026.
2. Commercial Lending Fees: Fees from commercial and industrial lending, real estate financing, equipment loans, and practice acquisitions.
3. Treasury Management Services: Fees from ACH origination, wire transfers, remote deposit capture, sweep services, and account services for business clients.
4. Healthcare Banking (Medquity): Specialized banking services for healthcare professionals including medical practices, surgery centers, and long-term care facilities through the Medquity division.

Pricing tiers

Distribution channels4 records

Marketing channels5 records

Core offering

INSBANK is a Nashville-based commercial bank that provides business lending, commercial deposit accounts with treasury management, and private banking services to entrepreneurs, healthcare professionals, and high-net-worth individuals across Middle Tennessee. It operates specialized healthcare banking through its Medquity division and supports customers via a digital banking platform and three branch locations.

Product overview

INSBANK is a Nashville-based commercial bank founded in 2000, serving businesses, professionals, and individuals across Tennessee. The company operates a multi-brand portfolio centered on three core products: Commercial Lending, Commercial Deposits, and Private Client Group. These core offerings are delivered through the Digital Banking platform and supplemented by treasury management features including Wire Transfer Services, ACH Positive Pay, Sweep Services, Check Positive Pay, ACH Origination, and Remote Deposit Capture. The bank differentiates through specialized divisions—Medquity Healthcare Banking and TMA Medical Banking for healthcare-focused clients, and Finworth for digital-first banking—while maintaining community engagement via Reel Bank Media content platform. INSBANK maintains three physical locations in the Nashville area (Green Hills, Brentwood, Murfreesboro) and serves clients across the state.

Differentiator

Problem solved

Functional benefit

Brands

• Medquity: Specialized healthcare banking division serving medical practices, dental practices, and other healthcare facilities.
• TMA Medical Banking
• Finworth
• Reel Bank Media

Products and services

• Commercial Lending Business lending services providing funding for commercial ventures, equipment purchases, real estate, working capital, and practice acquisitions. Serves niche industries including medical, spirits, hospitality, real estate/property management, and non-profit sectors.
• Commercial Deposits Business deposit accounts with treasury management tools including wire transfers, ACH services, positive pay fraud protection, sweep services, and remote deposit capture for business clients.
• Private Client Group Personal banking services for high-net-worth individuals offering personalized service, competitive rates, and tailored deposit and lending options with dedicated private bankers.
• Digital Banking Online and mobile banking platform enabling customers to manage accounts, initiate wire transfers, process ACH transactions, submit remote deposits, and access treasury management services digitally.
• Medquity Healthcare Banking Specialized healthcare banking division offering financial solutions for medical practices, dental practices, veterinary practices, behavioral facilities, long-term care facilities, ambulatory surgery centers, and dialysis clinics. Includes lines of credit, equipment financing, real estate loans, and practice acquisition financing.
• TMA Medical Banking Healthcare banking partnership with the Tennessee Medical Association, providing TMA members access to Medquity's specialized healthcare banking expertise and financial services locally.
• Medical Banking Services Specialized banking solutions for healthcare industry including lines of credit, equipment purchase financing, real estate construction and tenant improvements, joint venture investments, and practice acquisitions.

Quantifiable outcome

• Healthcare practice increased revenues 200%, cut expenses as percentage of revenue by 20%, increased physician distribution 120% over three years
• +5 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Tennessee Medical Association (TMA Medical Banking)coreStrategic or Co-development Partner · 1 January 2013Partnership established in 2013 where TMA members can access Medquity's nationwide healthcare banking expertise locally. Medquity provides specialized banking services to Tennessee physicians through this channel partnership with the state's leading medical association.
• MedquitycoreOthersMedquity is a specialized healthcare banking division of INSBANK serving medical practices, dental practices, veterinary practices, and healthcare facilities. It operates as a distinct brand under the INSBANK umbrella.
• FinworthminorOthersDigital banking technology brand under INSBANK focused on providing a sophisticated, streamlined, secure digital banking experience. Part of INSBANK's suite of brands alongside Medquity and Reel Bank Media.
• Reel Bank MediaminorOthersINSBANK's network of podcasts and video series showcasing Nashville entrepreneurs, community stories, and business content. Serves as both a marketing channel and community engagement initiative.
• FFIECminorOthersFederal Financial Institutions Examination Council provides regulatory reporting resources including Call Reports and Uniform Bank Performance Reports for INSBANK compliance and public disclosure.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Pinnacle Financial Partners: Nashville-headquartered commercial bank with strong Middle Tennessee presence, relationship-driven model, and meaningful healthcare and commercial lending franchises. Closest direct competitor in market and approach.
• Renasant Corporation: Community-oriented regional bank with a strong Tennessee presence (formed via Metropolitan Bank merger), competing for similar commercial and private banking clients in the Nashville market.
• Bank of Tennessee: Tennessee community bank with a comparable commercial and consumer banking model serving the Middle Tennessee market, including Kingsport/Johnson City and broader state presence.
• ServisFirst Bank: Relationship-driven commercial bank with a Tennessee presence (Nashville office), targeting middle-market commercial clients with treasury management and specialty industry lending — comparable model and customer profile.

Broad incumbents

• First Horizon Corporation: Large Tennessee-based commercial bank with broad commercial, healthcare, and treasury management offerings. Competes with INSBANK for mid-market and healthcare clients across Tennessee.
• Truist Financial Corporation: Large regional bank with major Nashville presence offering commercial, healthcare, and treasury management services. Competes with INSBANK for larger commercial relationships and digitally enabled SMBs.

Regional players

• Wilson Bank & Trust: Tennessee community bank headquartered in Lebanon, just outside Nashville, with similar relationship-driven commercial and consumer banking focus in Middle Tennessee.
• FirstBank (FirstBank of Tennessee): Tennessee-headquartered community bank with a similar commercial banking focus and growing presence in the Nashville metro, competing for similar relationship-driven commercial clients.
• SmartBank: Tennessee-based community bank offering commercial and consumer banking services, with growth ambitions in the Nashville and broader Southeast U.S. markets, overlapping with INSBANK's target segments.
• Avenue Bank (now FirstBank): Nashville-based community bank providing commercial and private banking services in the Middle Tennessee market, overlapping with INSBANK's entrepreneurial and HNW customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCua8MJPaawNvE4TLrw1uXPQ
• Facebookfacebook.com/Insbank615
• LinkedInlinkedin.com/company/insbank
• Instagraminstagram.com/insbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about INSBANK