Town Bank, National Association
Hartland, WI · Cert 34717 · Peer group: banks $1B-$10B in assets (n=322-328) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 25 branches (213 in holding)
Q2 2026
$4.7BAssets
$3.5BLoans
$3.8BDeposits
$483.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks $1B-$10B in assets (rank 25 of 328).
- Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets (rank 274 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.38%
Rank 112 of 328
Net Interest Margin
2.88%
Rank 270 of 328
Efficiency Ratio
42.47%
Rank 25 of 328
Equity / Assets
10.26%
Rank 168 of 328
Non-interest income vs. expense
Unfavorable gap of $46.2M · efficiency ratio beats 93% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.91% | 1.22% | 1.52% | Beats 66% | 112 / 328 | |
| Return on Equity | 13.43% | 8.43% | 11.45% | 14.43% | Beats 67% | 107 / 328 | |
| Net Interest Margin | 2.88% | 3.03% | 3.45% | 3.83% | Beats 18% | 270 / 328 | |
| Efficiency Ratio | 42.47% | 51.61% | 59.56% | 67.53% | Beats 93% | 25 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.24% | 0.51% | 1.03% | Beats 77% | 76 / 322 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 38% | 202 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 11.75% | 13.15% | 15.47% | Beats 17% | 273 / 328 | |
| Total Risk-Based Capital Ratio | 11.78% | 12.63% | 14.15% | 16.46% | Beats 16% | 274 / 328 | |
| Equity / Assets | 10.26% | 9.15% | 10.33% | 12.01% | Beats 49% | 168 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.18% | 76.63% | 87.92% | 95.36% | 66th pctl | 110 / 323 | |
| Loans / Assets | 74.66% | 65.18% | 74.15% | 79.98% | 52nd pctl | 158 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |