Tower Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Tower Community Bank is an FDIC-insured commercial bank headquartered in Jasper, TN, established in 1970 (FDIC certificate 20100), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $375.4M, down 3.3% from Q2 2025, the 65th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20100
- Headquarters
- Jasper, TN
- Established
- 1970
- Total assets, Q2 2026
- $375.4M
- Assets vs Q2 2025
- -3.3%
- Tier 1 leverage ratio, Q2 2026
- 10.43%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 064101660
- Holding company
- GENERAL BANCSHARES, INC.
- Asset rank in state
- 65th of 109 in Tennessee
Tower Community Bank, based in Jasper, Tennessee, reported $375 million in assets at June 30, 2026, down 3.3% from a year earlier. It shrank its loan book 5.1% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 4.49 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 21% from a year earlier, to $1.2 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.43% of loans, against 0.23% a year earlier.
As of June 30, 2026, Tower Community Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 4.17%. The figures come from its call report filed with the FFIEC.
Tower Community Bank ranks as the 65th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $375.4M, loans fell 1.6% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 56.5% of total loans, ahead of construction and land development loans at 14.7%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TN; its Jasper office books 47% of its branch deposits. Judged on its Q2 2026 call report, Tower Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4564 Main St, Jasper, TN 37347
- County
- Marion
- Metro Area
- Chattanooga, TN-GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1970
- Former names
- Citizens State Bank (1972-2016)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $329.3M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $103K
- Average total assets
- $380.3M
- Average total loans
- $284.3M
- Average interest-bearing deposits
- $278.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1970
- FDIC Cert
- 20100
- Fed RSSD
- 989730
- Website
- www.towercommunitybank.com →
- Parent Holding Company
- GENERAL BANCSHARES, INC. (RSSD 1139514)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Tower Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Tower Community Bank's total assets ranged from $375.4M (Q2 2026) to $407.2M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$375.4M total assets against $388.4M; $334.0M total liabilities against $348.8M.
$280.6M net loans and leases against $296.2M; $329.3M total deposits against $343.1M.
$41.1M securities against $41.7M; $27.8M cash and balances due against $21.8M.
$5.6M total interest income against $6.0M; $1.7M total interest expense against $2.0M.
$4.0M net interest income against $4.1M.
$779K total noninterest income against $979K; $3.0M total noninterest expense against $3.4M.
$101K provision for credit losses against $241K.
$1.2M net income against $973K.
1.24% return on assets against 0.97%; 4.49% net interest margin against 4.49%.
10.43% tier 1 leverage ratio against 9.46%.
Inside the full Tower Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTower Community Bank rankings
Its closest position to the top of a national ranking is 1,524 of 3,640, for Texas Ratio; its furthest is 2,132 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q4 2025) to 1.24% (Q2 2026) and its net interest margin ran from 4.20% (Q4 2024) to 4.55% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.43% | 1.24% | 0.43% | 4.17% | 4.49% |
| Q1 2026 | 9.89% | 1.11% | 0.68% | 8.68% | 4.37% |
| Q4 2025 | 9.74% | 0.41% | 0.26% | 5.72% | 4.55% |
| Q3 2025 | 9.72% | 0.82% | 0.28% | 6.21% | 4.44% |
| Q2 2025 | 9.46% | 0.97% | 0.23% | 6.68% | 4.49% |
| Q1 2025 | 9.33% | 0.92% | 0.62% | 8.50% | 4.35% |
| Q4 2024 | 9.26% | 1.13% | 0.95% | 7.26% | 4.20% |
| Q3 2024 | 8.90% | 1.03% | 0.81% | 6.23% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tower Community Bank (main office) | Jasper , TN | 37347 | $155.6M |
| South Pittsburg Branch | South Pittsburg , TN | 37380 | $68.1M |
| Monteagle Branch | Monteagle , TN | 37356 | $32.0M |
| Chattanooga | Chattanooga , TN | 37421 | $27.6M |
| Whitwell Branch | Whitwell , TN | 37397 | $18.8M |
| Franklin Branch | Franklin , TN | 37064 | $15.7M |
| Nolensville Branch | Nolensville , TN | 37135 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 88 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 44 applications, 33 loans originated, $9.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tower Community Bank
What are Tower Community Bank's total assets?
As of the Q2 2026 filing, Tower Community Bank reported total assets of $375.4 million in its FFIEC call report.
Where is Tower Community Bank headquartered?
It is headquartered in Jasper, TN, United States.
When was Tower Community Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Tower Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tower Community Bank?
Tower Community Bank's primary federal regulator is the FDIC.
How many branches does Tower Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tower Community Bank's Texas Ratio?
Its Texas Ratio is 4.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Tower Community Bank previously called?
The charter now named Tower Community Bank has also operated as Citizens State Bank (1972-2016), per FDIC structure-change records.
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