Tower Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 105.45 percentage points in Q2 2026, from 156.15% to 261.61%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Tower Community Bank is 46th of 109 on return on assets, 1.24% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets; Tower Community Bank reported 1.24% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.43% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 4.17% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 261.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 11.62% |
| Net interest margin | 4.49% |
| Efficiency ratio | 62.80% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.17% |
| Core deposits to total deposits | 84.22% |
| Brokered deposits to total deposits | 4.57% |
| Deposits to assets | 87.71% |
| Securities to assets | 10.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.79% | 11.79% | 12.62% | 8.79% | 0.52% |
| Q4 2023 | 11.22% | 11.22% | 12.07% | 8.75% | 0.67% |
| Q1 2024 | 11.35% | 11.35% | 12.35% | 8.49% | 0.87% |
| Q2 2024 | 11.40% | 11.40% | 12.38% | 8.60% | 1.08% |
| Q3 2024 | 12.84% | 12.84% | 13.98% | 8.90% | 1.03% |
| Q4 2024 | — | — | — | 9.26% | 1.13% |
| Q1 2025 | — | — | — | 9.33% | 0.92% |
| Q2 2025 | — | — | — | 9.46% | 0.97% |
| Q3 2025 | — | — | — | 9.72% | 0.82% |
| Q4 2025 | — | — | — | 9.74% | 0.41% |
| Q1 2026 | — | — | — | 9.89% | 1.11% |
| Q2 2026 | — | — | — | 10.43% | 1.24% |
Tower Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tower Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tower Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20100) · FFIEC NIC profile (RSSD 989730)