BlastPoint's Banking Scorecard
TowneBank
Portsmouth, VA
81 branches across VA · NC · SC · 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 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in VA.
- Deposits +21.7% year over year ($18.8B on the books).
- Delinquency rate 0.22%.
- Return on assets 2.17%.
- Efficiency ratio 56.11% vs a 53.67% peer average.
- Loan-to-deposit ratio 81.18% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TowneBank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5.7% in tier
- + Revenue Diversifier: Top 8.6% in tier
- + Credit Quality Leader: Top 28.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.4% in tier
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 2.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.6B
+23.8% YoY
+1.2% QoQ
|
-$21.0B |
$43.6B
-13.8% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$15.3B
+22.6% YoY
+0.3% QoQ
|
-$12.7B |
$28.0B
-8.6% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$18.8B
+21.7% YoY
+1.2% QoQ
|
-$16.6B |
$35.4B
-14.0% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
2.17%
+120.8% YoY
+178.6% QoQ
|
+0.78% |
1.39%
+25.9% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
3.77%
+18.0% YoY
+0.9% QoQ
|
-0.15% |
3.92%
+8.9% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
56.11%
-20.6% YoY
-28.3% QoQ
|
+2.44% |
53.67%
-1.9% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.22%
+233.8% YoY
-5.1% QoQ
|
-0.80% |
1.01%
-2.8% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
Top 10.1% in tier |
| Loan-to-Deposit Ratio ? |
81.18%
+0.7% YoY
-1.0% QoQ
|
-1.43% |
82.61%
+3.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
31.62%
-0.1% YoY
+3.0% QoQ
|
+11.04% |
20.58%
+4.9% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.21%
+324.1% YoY
-8.7% QoQ
|
-0.52% |
0.73%
+5.8% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
Top 13.7% in tier |
| Tier 1 Capital Ratio ? |
12.20%
+3.2% YoY
+6.4% QoQ
|
-3.15% |
15.35%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
1.61%
+73.7% YoY
+309.1% QoQ
|
+1.11% |
0.50%
+10.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
Top 3.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.6%
0.0pp YoY +0.9pp QoQ |
+10.6pp | 21.0% | 26.2% | 22.2% | 82% |
| Brokered Deposits |
3.0%
0.0pp YoY -0.8pp QoQ |
-6.2pp | 9.2% | 8.5% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
-0.2pp YoY +0.1pp QoQ |
-6.2pp | 17.2% | 11.0% | 12.5% | 30% |
| CRE |
58.7%
+0.1pp YoY -0.8pp QoQ |
+16.7pp | 42.0% | 46.9% | 41.4% | 83% |
| 1-4 Family |
21.5%
-0.3pp YoY +0.6pp QoQ |
-1.6pp | 23.1% | 32.6% | 31.3% | 47% |
| Consumer |
5.2%
+0.5pp YoY 0.0pp QoQ |
-7.7pp | 12.9% | 8.0% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
+0.4pp YoY +0.7pp QoQ |
-3.1pp | 15.3% | 17.2% | 19.7% | 27% |
| Leverage Ratio |
10.0%
+0.1pp YoY +0.2pp QoQ |
-0.4pp | 10.4% | 12.2% | 12.6% | 48% |
| Total Capital Ratio |
14.6%
+0.1pp YoY +0.8pp QoQ |
-1.9pp | 16.5% | 18.3% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,783
+59 (+2.2%) YoY -231 (-7.7%) QoQ |
-475 | 3,258 | 1,956 | 482 | 65% |
| Assets per Employee ($) |
$8.1M
+21.2% YoY +9.6% QoQ |
-$18.9M | $27.0M | $9.9M | $8.8M | 12% |
| Branch Count |
81
+22 (+37.3%) YoY -2 (-2.4%) QoQ |
-57 | 137 | 28 | 18 | 48% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.4% | 20% |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.7% | 0.7% | 1.0% | 13% |
| Allowance Coverage |
5.96x
-63.6% YoY +5.5% QoQ |
+3.15x | 2.81x | 9.47x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.4% | 0.2% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
+8.9pp YoY +10.7pp QoQ |
+4.3pp | 12.6% | 12.0% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY -0.1pp QoQ |
-0.4pp | 2.0% | 1.7% | 1.7% | 31% |
| Net Income ($, YTD) |
$234.2M
+161.9% YoY — QoQ |
-$62.6M | $296.8M | $137.1M | $40.4M | 66% |
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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 (3)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
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.