BlastPoint's Banking Scorecard
Tower Community Bank
Jasper, TN
12 branches across TN · AL
Tower Community Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio 2.04% below tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2.1% in tier
- - Credit Quality Pressure: Bottom 30.7% in tier
- - Deposit Outflow: Bottom 48.4% in tier
- - ROA 0.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$385.2M
-3.9% YoY
+0.7% QoQ
|
-$871K |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$285.2M
-4.3% YoY
-1.6% QoQ
|
+$29.5M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$339.8M
-3.4% YoY
+0.9% QoQ
|
+$11.8M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.13%
+22.0% YoY
+42.1% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.43%
+1.4% YoY
-1.9% QoQ
|
+0.50% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
63.25%
-6.5% YoY
-11.1% QoQ
|
-2.04% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.68%
+9.6% YoY
+159.5% QoQ
|
-0.20% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
83.94%
-0.9% YoY
-2.5% QoQ
|
+7.30% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
16.14%
+2.7% YoY
+1.2% QoQ
|
-5.88% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.94%
+11.8% YoY
+51.5% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
9.89%
+5.9% YoY
+1.5% QoQ
|
-5.95% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.5% in tier |
| Non-Interest Income / Assets ? |
0.23%
-4.6% YoY
-73.5% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 10.6% in tier |
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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 (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.