InsCorp, Inc.'s Financial Highlights from 3Q25 Growth Report
InsCorp, Inc. Reports Impressive 23% EPS Growth
InsCorp, Inc. (OTCQX: IBTN) recently reported substantial growth in earnings per share (EPS) for the third quarter of 2025. The EPS was reported at $0.79, a noticeable increase from $0.73 in the previous quarter and up from $0.64 from the same period last year. According to the President and CEO of INSBANK, Jim Rieniets, the company is experiencing positive momentum, helping to achieve significant objectives in areas such as loan and deposit generation, and technological enhancements.
New Market Initiative in Murfreesboro
In line with its strategic goals, INSBANK has entered into the promising Murfreesboro market, enhancing its staff with four seasoned bankers in 3Q25. With a combined experience of over 70 years in Rutherford County, this newly formed team includes two relationship managers and specialists in deposits and loans.
Market President Chad Hill expressed enthusiasm about the team's onboarding, noting it aligns with the bank's focused model on commercial and private banking. Within the first 45 days of operation in Murfreesboro, they successfully secured approximately $14.5 million in deposits and $11.7 million in loans, much of which originated in October. This early response showcases the strong potential of the Murfreesboro market, which has experienced significant growth.
Financial Performance Insights
Revenue surged by 18% year-over-year, reaching $7.9 million, despite a 24% increase in non-interest expenses totaling $5.1 million primarily due to hiring initiatives. Salaries and employee benefits accounted for a large portion of the increase, reflecting an 18% growth in headcount with net income improving alongside increased operational capabilities.
InsCorp achieved remarkable progress with net interest income for the fifth consecutive quarter, a welcome contrast since hitting lows in 2Q24. The net interest income saw a 25% annual increase, coupled with growth of earning assets by 15% year-over-year.
Loan and Deposit Growth Factors
The year-over-year loan growth of 15% is indicative of solid performance across various segments, with commercial and industrial loans showing a 22% increase; residential loans surged by 41%. Deposit levels bolstered a 16% increase, primarily attributed to growth stemming from interest-bearing transaction accounts.
This robust deposit growth is accompanied by an increase in both non-interest and interest-bearing demand deposits, further reinforcing the bank's financial standing in light of market expansions.
Asset Quality and Capital Stability
InsCorp demonstrated strong asset quality, with net charge-offs remaining at a commendable 0.00% of average loans. Nonperforming loans only amounted to 0.75%, up from 0.65% quarter-over-quarter, signaling meticulous risk management. The bank maintains robust capital ratios that align with regulatory standards, ensuring a well-capitalized status overall.
Dividend Payments and Shareholder Value
The Board of Directors of InsCorp approved a quarterly dividend of $0.11 per common share, marking a 10% increase from the previous year. This decision reflects the company’s commitment to shareholder value, even amidst no share repurchases occurring in 3Q25.
About InsCorp, Inc. and INSBANK
Founded in 2000, INSBANK is dedicated to providing personalized banking services through an innovative approach incorporating sophisticated technologies. INSBANK currently manages three divisions specializing in healthcare banking and private client services through strategic financial solutions. InsCorp, Inc. is the holding company for INSBANK, and its shares are traded under the symbol IBTN on the OTCQX market.
Frequently Asked Questions
What was the EPS growth reported for InsCorp in 3Q25?
The EPS growth reported for InsCorp Inc. in 3Q25 was 23%, reaching $0.79 per share.
What new market has InsCorp entered?
InsCorp has entered the Murfreesboro market, enhancing its team with experienced bankers.
What was the revenue increase percentage for InsCorp?
InsCorp experienced an 18% increase in revenue year-over-year, totaling $7.9 million.
How has InsCorp managed its expenses in relation to hiring?
Non-interest expenses have increased by 24% due to hiring, with salaries reflecting significant growth in headcount.
What was the quarterly dividend approved for shareholders?
The Board approved a quarterly dividend of $0.11 per common share, representing a 10% increase from the previous year.
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