Town Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Town Bank, N.A. of Hartland, WI against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.45% | 1.46% | -0.01% | 63rd above |
| ROAE | 14.08% | 12.69% | +1.39% | 63rd above |
| Net Interest Margin | 3.02% | 3.85% | -0.83% | 15th bottom |
| Efficiency Ratio | 41.50% | 57.43% | -15.93% | 91st top |
| PPNR / Avg Assets | 1.89% | 1.88% | +0.01% | 62nd above |
| Yield on Earning Assets | 5.02% | 5.72% | -0.70% | 21st bottom |
| Cost of Funds | 2.18% | 2.02% | +0.16% | 38th below |
| Net Interest Spread | 2.39% | 3.18% | -0.79% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 1.00% | -0.82% | 83rd top |
| NPA / Total Assets | 0.14% | 0.76% | -0.62% | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 0.54% | 1.31% | -0.77% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 295.77% | 564.86% | -269.09% | 69th above |
| Texas Ratio | 1.83% | 7.40% | -5.57% | 79th top |
| Provision / NCO | 15.76% | 619.85% | -604.09% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.19% | 17.35% | -6.16% | 13th bottom |
| Tier 1 Ratio | 11.19% | 17.38% | -6.19% | 13th bottom |
| Total Capital Ratio | 11.78% | 18.43% | -6.65% | 6th bottom |
| Leverage Ratio | 9.75% | 11.44% | -1.69% | 30th below |
| Equity / Assets | 10.26% | 11.34% | -1.08% | 48th below |
| TCE / Tangible Assets | 8.80% | 10.50% | -1.70% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.18% | 86.94% | +5.24% | 37th below |
| Core Deposit Ratio | 81.24% | 85.56% | -4.32% | 23rd bottom |
| Uninsured Deposit Ratio | 31.04% | 33.13% | -2.09% | 50th above |
| Wholesale Funding Ratio | 7.77% | 5.70% | +2.07% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.21% | 9.68% | -2.47% | 63rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 8.06% | -1.82% | 53rd above |
| Deposit Growth (Y/Y) | 4.34% | 7.88% | -3.54% | 47th below |
See Town Bank, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, how to read a UBPR, or how this data updates.