Tower Community Bank
Jasper, TN · Cert 20100 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · General Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$375.4MAssets
$283.8MLoans
$329.3MDeposits
$40.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks under $1B in assets operating in a single state (rank 192 of 746).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 660 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.20%
Rank 296 of 746
Net Interest Margin
4.15%
Rank 192 of 746
Efficiency Ratio
63.91%
Rank 358 of 746
Equity / Assets
10.87%
Rank 334 of 746
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.72% | 1.06% | 1.45% | Beats 60% | 296 / 746 | |
| Return on Equity | 11.07% | 6.74% | 10.51% | 13.63% | Beats 55% | 333 / 746 | |
| Net Interest Margin | 4.15% | 3.17% | 3.68% | 4.16% | Beats 74% | 192 / 746 | |
| Efficiency Ratio | 63.91% | 55.74% | 64.58% | 75.47% | Beats 52% | 358 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.07% | Beats 50% | 373 / 743 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 19% | 601 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.43% | 11.55% | 13.75% | 17.60% | Beats 13% | 650 / 746 | |
| Total Risk-Based Capital Ratio | 10.43% | 11.71% | 14.33% | 18.43% | Beats 12% | 660 / 746 | |
| Equity / Assets | 10.87% | 8.90% | 10.51% | 13.06% | Beats 55% | 334 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 86.17% | 61.31% | 78.27% | 90.78% | 66th pctl | 252 / 746 | |
| Loans / Assets | 75.58% | 53.60% | 66.97% | 76.08% | 73rd pctl | 203 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |