Towne Trust Company, 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.
Cet1 capital 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. Against a median of 0.98% for banks in the < $100M asset tier, Towne Trust Company, N.A. reported 6.88% on return on assets in Q2 2026, 5.90 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 360.02% |
| Tier 1 risk-based capital ratio | 360.02% |
| Total risk-based capital ratio | 360.02% |
| Tier 1 leverage ratio | 87.10% |
| Equity capital to assets | 82.50% |
| Tangible equity to tangible assets | 82.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 6.88% |
| Return on equity | 7.98% |
| Net interest margin | 3.86% |
| Efficiency ratio | 87.53% |
| Yield on earning assets | 3.86% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 85.11% |
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 | 343.34% | 343.34% | 343.34% | 84.72% | -2.15% |
| Q4 2023 | 333.68% | 333.68% | 333.68% | 88.62% | 12.45% |
| Q1 2024 | 328.18% | 328.18% | 328.18% | 87.47% | 2.02% |
| Q2 2024 | 340.29% | 340.29% | 340.29% | 88.48% | 10.07% |
| Q3 2024 | 320.62% | 320.62% | 320.62% | 83.82% | 3.63% |
| Q4 2024 | 370.85% | 370.85% | 370.85% | 87.15% | 12.17% |
| Q1 2025 | 365.82% | 365.82% | 365.82% | 93.98% | 13.28% |
| Q2 2025 | 378.44% | 378.44% | 378.44% | 96.16% | 6.62% |
| Q3 2025 | 447.61% | 447.61% | 447.61% | 98.94% | 2.24% |
| Q4 2025 | 407.15% | 407.15% | 407.15% | 93.22% | 15.66% |
| Q1 2026 | 156.84% | 156.84% | 156.84% | 93.99% | 14.04% |
| Q2 2026 | 360.02% | 360.02% | 360.02% | 87.10% | 6.88% |
Towne Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Towne Trust Company, 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 Towne Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2797210)