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Tower Community Bank

$100M-$1B Specialty: Commercial TN FDIC cert 20100

Jasper, TN

9 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -4.0% year over year ($329.3M on the books).
  • Delinquency rate 0.43%.
  • Return on assets 1.19%.
  • Efficiency ratio 63.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Tower Community Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.51% above tier average
  • + Efficiency Ratio 1.41% below tier average
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 3.7% in tier
  • - Capital Thin: Bottom 6.0% in tier
  • - Credit Quality Pressure: Bottom 35.8% in tier
  • - ROA 0.14% below tier average
Get updates when Tower Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $375.4M
-3.3% YoY -2.5% QoQ
-$11.1M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $280.6M
-5.3% YoY -1.6% QoQ
+$22.3M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $329.3M
-4.0% YoY -3.1% QoQ
+$2.6M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.19%
+23.3% YoY +4.9% QoQ
-0.14% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.50%
+0.7% YoY +1.7% QoQ
+0.51% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 63.07%
-5.6% YoY -0.3% QoQ
-1.41% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.43%
+85.8% YoY -37.1% QoQ
-0.49% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 85.21%
-1.3% YoY +1.5% QoQ
+7.26% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 17.49%
+12.9% YoY +8.4% QoQ
-4.54% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.47%
-32.0% YoY -49.7% QoQ
-0.20% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 10.43%
+10.3% YoY +5.5% QoQ
-5.48% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.44%
-11.5% YoY +93.7% QoQ
-0.12% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Top 11.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 17.5%
+2.0pp YoY
+1.4pp QoQ
 -4.7pp 22.1% 18.8% 22.2% 34%
Brokered Deposits 4.6%
+0.2pp YoY
+0.1pp QoQ
 -3.3pp 7.9% 9.4% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 6.0%
+0.5pp YoY
-0.1pp QoQ
 -5.5pp 11.6% 10.9% 12.5% 26%
CRE 34.9%
-2.9pp YoY
-0.1pp QoQ
 -4.6pp 39.5% 42.4% 41.4% 43%
1-4 Family 57.2%
+2.1pp YoY
-0.5pp QoQ
 +24.5pp 32.6% 39.8% 31.3% 88%
Consumer 2.7%
+0.5pp YoY
+0.8pp QoQ
 -1.4pp 4.1% 4.5% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 10.4%
+1.0pp YoY
+0.5pp QoQ
 -1.7pp 12.2% 11.4% 12.6% 40%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 68
-4 (-5.6%) YoY
+2 (+3.0%) QoQ
 +9 58 270 482 69%
Assets per Employee ($) $5.5M
+2.4% YoY
-5.4% QoQ
 -$2.0M $7.5M $7.1M $8.8M 23%
Branch Count 8
-3 (-27.3%) YoY
0 QoQ
 +3 4 17 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 3%
Nonaccrual 0.4%
+0.3pp YoY
-0.2pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 49%
Allowance Coverage 2.62x
-37.1% YoY
+67.5% QoQ
 -21.54x 24.15x 28.97x 20.23x 55%
Net Charge-off Rate (YTD) 0.1%
-0.4pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 11.2%
+1.4pp YoY
+0.4pp QoQ
 -1.0pp 12.2% 10.9% 11.6% 45%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 2.0% 1.7% 67%
Net Income ($, YTD) $2.3M
+19.8% YoY
— QoQ
 -$295K $2.6M $16.7M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Constraint

risk
#5 of 107 • Bottom 3.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 85.21%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.43%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Capital Thin

risk
#41 of 661 • Bottom 6.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.43%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Pressure

risk
#450 of 1256 • Bottom 35.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

310
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#310 of 2643 Top 11.7% in $100M-$1B
532
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#532 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (1 metrics)

2228
Tier 1 Capital Ratio
capital
Value: 10.43%
Peer Median: 15.91%
#2228 of 2643 Bottom 15.7% in $100M-$1B
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