Bank Safety Analysis
Is Towne Trust Company, N.A. Safe?
Towne Trust Company, N.A. meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
Cet1 ratio climbed 203.18 percentage points in Q2 2026, from 156.84% to 360.02%. It was the largest change from Q1 2026 among the key lines here. Towne Trust Company, N.A.'s CET1 ratio of 360.02% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 340.45 points (Q2 2026). From Q3 2023 to Q2 2026, Towne Trust Company, N.A.'s CET1 ratio ranged between 156.84% (Q1 2026) and 447.61% (Q3 2025) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Towne Trust Company, N.A.'s CET1 ratio from 378.44% to 360.02%, Texas ratio from 0.00% to 0.00%, return on assets from 6.62% to 6.88% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
CET1 of 360.02% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 87.10% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 87.5% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 360.02% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 360.02% |
| Q1 2026 | 156.84% |
| Q4 2025 | 407.15% |
| Q3 2025 | 447.61% |
| Q2 2025 | 378.44% |
| Q1 2025 | 365.82% |
| Q4 2024 | 370.85% |
| Q3 2024 | 320.62% |
| Q2 2024 | 340.29% |
| Q1 2024 | 328.18% |
| Q4 2023 | 333.68% |
| Q3 2023 | 343.34% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Towne Trust Company, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 360.02% | — | 0.00% | 6.88% |
| Mar 31, 2026 | 156.84% | — | 0.00% | 14.04% |
| Dec 31, 2025 | 407.15% | — | 0.00% | 15.66% |
| Sep 30, 2025 | 447.61% | — | 0.00% | 2.24% |
| Jun 30, 2025 | 378.44% | — | 0.00% | 6.62% |
| Mar 31, 2025 | 365.82% | — | 0.00% | 13.28% |
| Dec 31, 2024 | 370.85% | — | 0.00% | 12.17% |
| Sep 30, 2024 | 320.62% | — | 0.00% | 3.63% |
| Jun 30, 2024 | 340.29% | — | 0.00% | 10.07% |
| Mar 31, 2024 | 328.18% | — | 0.00% | 2.02% |
| Dec 31, 2023 | 333.68% | — | 0.00% | 12.45% |
| Sep 30, 2023 | 343.34% | — | 0.00% | -2.15% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Towne Trust Company, N.A. well capitalized?
Yes. Towne Trust Company, N.A. reports a CET1 Ratio of 360.02%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Towne Trust Company, N.A.'s Texas Ratio?
Towne Trust Company, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 2797210)
Explore: Full Towne Trust Company, N.A. profile · Other banks in VA · Metric glossary · How the call report works