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
Favorable gap of $0.8M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 9.31% | 0.60% | 1.01% | 1.45% | Beats 96% | 24 / 629 | | |
| Return on Equity | 11.28% | 5.38% | 9.30% | 13.28% | Beats 62% | 238 / 629 | | |
| Net Interest Margin | 2.98% | 3.03% | 3.54% | 4.05% | Beats 24% | 481 / 629 | | |
| Efficiency Ratio | 82.76% | 58.35% | 67.79% | 79.08% | Beats 21% | 501 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 360% | 11.24% | 13.84% | 18.77% | Beats 98% | 10 / 629 | | |
| Total Risk-Based Capital Ratio | 360% | 11.58% | 14.43% | 19.66% | Beats 98% | 10 / 629 | | |
| Equity / Assets | 82.50% | 9.09% | 10.65% | 13.80% | Beats 95% | 29 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |