Town Bank, N.A.: 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 dropped 68.74 percentage points in Q2 2026, from 364.51% to 295.77%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Town Bank, N.A. is 61st of 153 on return on assets, 1.45% as of Q2 2026, above the middle of the field. Town Bank, N.A. reported 1.45% on return on assets for Q2 2026, 0.17 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 11.78% |
| Tier 1 leverage ratio | 9.75% |
| Equity capital to assets | 10.26% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 1.83% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | 295.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 14.08% |
| Net interest margin | 3.02% |
| Efficiency ratio | 41.50% |
| Yield on earning assets | 5.02% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.18% |
| Core deposits to total deposits | 81.24% |
| Brokered deposits to total deposits | 13.36% |
| Deposits to assets | 81.00% |
| Securities to assets | 18.39% |
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 | 10.62% | 10.62% | 11.20% | 8.96% | 0.85% |
| Q4 2023 | 11.08% | 11.08% | 11.69% | 9.12% | 1.04% |
| Q1 2024 | 10.49% | 10.49% | 11.09% | 8.72% | 1.06% |
| Q2 2024 | 10.84% | 10.84% | 11.40% | 8.54% | 0.96% |
| Q3 2024 | 10.61% | 10.61% | 11.21% | 8.73% | 0.98% |
| Q4 2024 | 10.77% | 10.77% | 11.40% | 8.90% | 1.09% |
| Q1 2025 | 10.80% | 10.80% | 11.50% | 8.97% | 1.18% |
| Q2 2025 | 10.81% | 10.81% | 11.51% | 9.22% | 1.24% |
| Q3 2025 | 11.05% | 11.05% | 11.72% | 9.24% | 1.42% |
| Q4 2025 | 11.38% | 11.38% | 12.07% | 9.53% | 1.22% |
| Q1 2026 | 11.35% | 11.35% | 12.01% | 9.48% | 1.37% |
| Q2 2026 | 11.19% | 11.19% | 11.78% | 9.75% | 1.45% |
Town Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34717) · FFIEC NIC profile (RSSD 2693264)