Tower Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tower Community Bank of Jasper, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.25% | -0.01% | 47th below |
| ROAE | 11.62% | 12.22% | -0.60% | 45th below |
| Net Interest Margin | 4.49% | 3.95% | +0.54% | 78th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.80% | 63.71% | -0.91% | 45th below |
| PPNR / Avg Assets | 1.81% | — | — | 62nd above |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 83rd top |
| Cost of Funds | 2.00% | 1.87% | +0.13% | 37th below |
| Net Interest Spread | 3.98% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 0.88% | -0.45% | 50th above |
| NPA / Total Assets | 0.47% | — | — | 40th below |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.11% | — | — | 40th below |
| ACL / NPLs (Coverage) | 261.61% | — | — | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.17% | 5.96% | -1.79% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.43% | 11.75% | -1.32% | 39th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.87% | 10.98% | -0.11% | 57th above |
| TCE / Tangible Assets | 10.50% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.17% | 80.44% | +5.73% | 38th below |
| Core Deposit Ratio | 84.22% | 86.95% | -2.73% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.33% | — | — | 7th bottom |
| Loan Growth (Y/Y) | -5.11% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | -4.00% | — | — | 8th bottom |
See Tower Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tower Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tower Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Tower Community Bank peer analysis.