TOWER COMMUNITY BANK

JASPER, TN | Small | Est. Jan. 2, 1970, midnight | FDIC #20100 | RSSD #989730 | FDIC
Latest Report: 2025-12-31

TOWER COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in JASPER, TN, established in Jan. 2, 1970, midnight. As of 2025-12-31, the bank reported total assets of $382M and total deposits of $337M. Profitability stands at 0.42% ROA and 4.04% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 10.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 5.50%. FDIC Certificate #20100.

Assets

$382M

Deposits

$337M

Loans

$293M

Equity

$40M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 4.04%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.73%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.30%
Texas Ratio 5.50%
NPA Ratio 0.62%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 10.05%
Tier 1 Capital 10.05%
Total Capital Ratio 10.56%
Leverage Ratio 9.74%
Loan-to-Deposit 86.96%

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