PackageTrendsPeer
Letter portraitLegal landscape

Towne Trust Company, National Association

Newport News, VA · Cert 35248

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

21

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Towne Trust Company, National Association

Newport News, VA · Cert 35248

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.2MEquity

NIM

2.44%Q2 ’242.84%Q2 ’252.98%Q2 ’26+17%+5%

Non-interest income vs. expense

70.89%Q2 ’2482.22%Q2 ’2559.72%Q2 ’26-86%+4%

Executive Summary

  • Earnings: ROA of 10.11%, up 14 bps year over year; NIM at 2.98%.
  • Capital: tier 1 leverage ratio of 87.10%, down 906 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

10.11%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+14 bps YoY

Efficiency Ratio (YTD, annualized)

82.76%-390 bps YoY

Tier 1 Leverage Ratio

87.10%-906 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets9.97%7.35%9.55%13.73%10.11%+14 bps
Return on Equity10.65%7.83%10.20%15.21%11.57%+91 bps
Net Interest Margin2.84%2.94%2.89%2.91%2.98%+14 bps
Efficiency Ratio86.66%89.97%86.63%78.28%82.76%-390 bps
Non-Interest Burden-9.81%-6.73%-8.62%-14.89%-9.46%+36 bps
Growth
Asset Growth (YoY)-7.14%-8.72%9.20%18.42%26.20%+3,334 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio96.16%98.94%93.22%93.99%87.10%-906 bps
Total Risk-Based Capital378%448%407%156.84%360%-1,842 bps
Equity / Assets93.42%94.60%92.49%88.14%82.50%-1,092 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Towne Trust Company, National Association

Newport News, VA · Cert 35248 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets (rank 10 of 629).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets (rank 501 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

9.31%

Rank 24 of 629

Net Interest Margin

2.98%

Rank 481 of 629

Efficiency Ratio

82.76%

Rank 501 of 629

Equity / Assets

82.50%

Rank 29 of 629

Non-interest income vs. expense

$5.8M$5.0MINCOMEEXPENSE
Favorable gap of $0.8M · efficiency ratio beats 21% of banks under $1B in assets
Bank 82.76%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets9.31%0.60%1.01%1.45%Beats 96%24 / 629
Return on Equity11.28%5.38%9.30%13.28%Beats 62%238 / 629
Net Interest Margin2.98%3.03%3.54%4.05%Beats 24%481 / 629
Efficiency Ratio82.76%58.35%67.79%79.08%Beats 21%501 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio360%11.24%13.84%18.77%Beats 98%10 / 629
Total Risk-Based Capital Ratio360%11.58%14.43%19.66%Beats 98%10 / 629
Equity / Assets82.50%9.09%10.65%13.80%Beats 95%29 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution