Townebank
Portsmouth, VA · Cert 35095 · Peer group: banks over $10B in assets (n=142-144)
State charter, non-member · FDIC · 81 branches
Q2 2026
$22.6BAssets
$15.5BLoans
$18.8BDeposits
$3.0BEquity
Executive Summary
- Strongest standing: return on assets outperforms 92% of banks over $10B in assets (rank 12 of 144).
- Widest gap: tier 1 capital ratio trails 72% of banks over $10B in assets (rank 103 of 144).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.07%
Rank 12 of 144
Net Interest Margin
3.30%
Rank 73 of 144
Efficiency Ratio
57.80%
Rank 86 of 144
Equity / Assets
13.24%
Rank 32 of 144
Non-interest income vs. expense
Unfavorable gap of $106.8M · efficiency ratio beats 41% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.07% | 1.00% | 1.26% | 1.54% | Beats 92% | 12 / 144 | |
| Return on Equity | 15.64% | 8.98% | 11.34% | 14.40% | Beats 81% | 27 / 144 | |
| Net Interest Margin | 3.30% | 2.82% | 3.31% | 3.68% | Beats 49% | 73 / 144 | |
| Efficiency Ratio | 57.80% | 49.42% | 56.02% | 62.41% | Beats 41% | 86 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.48% | 0.73% | 1.07% | Beats 90% | 15 / 142 | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.11% | 0.22% | Beats 71% | 42 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 12.07% | 12.98% | 14.92% | Beats 28% | 103 / 144 | |
| Total Risk-Based Capital Ratio | 14.63% | 13.39% | 14.14% | 16.25% | Beats 58% | 61 / 144 | |
| Equity / Assets | 13.24% | 9.69% | 11.39% | 12.96% | Beats 78% | 32 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 82.24% | 75.72% | 84.92% | 91.56% | 39th pctl | 87 / 143 | |
| Loans / Assets | 68.44% | 59.83% | 69.07% | 74.80% | 44th pctl | 81 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |