TowneBank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TowneBank of Portsmouth, VA against its peer group of 136 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 | 3.42% | 1.34% | +2.08% | 98th top |
| ROAE | 26.26% | 12.25% | +14.01% | 96th top |
| Net Interest Margin | 3.70% | 3.68% | +0.02% | 55th above |
| Efficiency Ratio | 43.43% | 53.86% | -10.43% | 82nd top |
| PPNR / Avg Assets | 4.51% | — | — | 97th top |
| Yield on Earning Assets | 5.20% | 5.58% | -0.38% | 39th below |
| Cost of Funds | 1.58% | 1.99% | -0.41% | 71st above |
| Net Interest Spread | 2.94% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 1.09% | -0.87% | 90th top |
| NPA / Total Assets | 0.21% | — | — | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.36% | -0.21% | 47th below |
| ACL / Total Loans | 1.29% | — | — | 72nd above |
| ACL / NPLs (Coverage) | 596.33% | — | — | 97th top |
| Texas Ratio | 2.10% | 5.43% | -3.33% | 85th top |
| Provision / NCO | 11.62% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.16% | 14.50% | -2.34% | 25th below |
| Tier 1 Ratio | 12.20% | 14.60% | -2.40% | 25th below |
| Total Capital Ratio | 14.63% | — | — | 59th above |
| Leverage Ratio | 10.00% | 10.26% | -0.26% | 44th below |
| Equity / Assets | 13.24% | 11.55% | +1.69% | 77th top |
| TCE / Tangible Assets | 9.62% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.24% | 83.97% | -1.73% | 67th above |
| Core Deposit Ratio | 91.35% | 86.78% | +4.57% | 52nd above |
| Uninsured Deposit Ratio | 47.97% | 38.93% | +9.04% | 23rd bottom |
| Wholesale Funding Ratio | 1.99% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.83% | — | — | 86th top |
| Loan Growth (Y/Y) | 22.87% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 21.68% | — | — | 85th top |
See TowneBank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TowneBank, 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 TowneBank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the TowneBank peer analysis.