BlastPoint's Banking Scorecard
TowneBank
Portsmouth, VA
81 branches across VA · NC · SC · TN
TowneBank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 20.0% in tier
- - Credit Quality Pressure: Bottom 23.6% in tier
- - Efficiency Ratio 24.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.4B
+27.7% YoY
+13.6% QoQ
|
-$24.6B |
$47.0B
-1.9% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$15.2B
+30.3% YoY
+14.2% QoQ
|
-$14.1B |
$29.4B
-0.4% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$18.6B
+26.0% YoY
+12.0% QoQ
|
-$19.8B |
$38.4B
-1.6% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.78%
-33.0% YoY
-13.6% QoQ
|
-0.50% |
1.28%
+18.7% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.73%
+19.6% YoY
+10.3% QoQ
|
-0.04% |
3.77%
+5.8% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
78.26%
+14.4% YoY
+8.8% QoQ
|
+24.25% |
54.01%
-3.7% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate ? |
0.23%
+309.7% YoY
+144.6% QoQ
|
-0.79% |
1.02%
-3.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Top 12.5% in tier |
| Loan-to-Deposit Ratio ? |
81.96%
+3.4% YoY
+2.0% QoQ
|
+1.17% |
80.79%
+1.9% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
30.71%
+1.5% YoY
-1.3% QoQ
|
+10.67% |
20.04%
+0.2% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.23%
+496.5% YoY
+229.9% QoQ
|
-0.49% |
0.72%
+4.2% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
11.47%
-10.9% YoY
+0.7% QoQ
|
-4.05% |
15.51%
-0.4% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.0% in tier |
| Non-Interest Income / Assets ? |
0.39%
-18.1% YoY
-76.4% QoQ
|
+0.17% |
0.22%
+0.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Top 10.2% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.