$22.4B
+27.7%y/y
Percentile by value38th percentileby value
FDIC
ASSETT
TowneBank
Portsmouth, VirginiaFDIC Cert #35095
STATEEstablished 199993 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportTowneBank reported $22.4B in total assets. Deposits grew 25.96% over the prior year.
Return on assets was 0.78%, compared with an asset-peer median of 1.19%. The leverage ratio was 9.75%.
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$18.6B
+26.0%y/y
Percentile by value40th percentileby value
FDIC
DEP$15.2B
+30.3%y/y
Percentile by value40th percentileby value
FDIC
LNLSNET0.78%
−38 bpsy/y
Peer standing15th percentile
FDIC
NETINC + ROA78.26%
+988 bpsy/y
Peer standing4th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.75%
−86 bpsy/y
Peer standing44th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $15.8B | $13.1B |
| Q3 2021 | $15.8B | $13.1B |
| Q4 2021 | $16.4B | $13.7B |
| Q1 2022 | $16.7B | $13.9B |
| Q2 2022 | $16.9B | $14.2B |
| Q3 2022 | $16B | $13.5B |
| Q4 2022 | $15.8B | $13.4B |
| Q1 2023 | $16.7B | $13.7B |
| Q2 2023 | $17.2B | $13.9B |
| Q3 2023 | $16.7B | $14B |
| Q4 2023 | $16.8B | $14B |
| Q1 2024 | $16.9B | $14.3B |
| Q2 2024 | $17.1B | $14.4B |
| Q3 2024 | $17.2B | $14.5B |
| Q4 2024 | $17.2B | $14.5B |
| Q1 2025 | $17.5B | $14.8B |
| Q2 2025 | $18.3B | $15.5B |
| Q3 2025 | $19.7B | $16.6B |
| Q4 2025 | $19.7B | $16.6B |
| Q1 2026 | $22.4B | $18.6B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.45B |
| Investor CRE | $4.25B |
| Multifamily | $895M |
| Construction | $1.48B |
| 1–4 family | $3.18B |
| C&I | $1.67B |
| Agriculture | $69.8M |
| Other | $1.45B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.78%15th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE6.17%13th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.73%65th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.26%4th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+25.96%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+30.30%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%87th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ9.75%44th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.40%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%82nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.78%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.12%90th 1.65%Observations 57
ROE
FDIC
NETINC + ROE6.17%21st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.40%Median 9.51%90th 14.96%Observations 57
NIM
FDIC
NIM + NIMY3.73%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.73%90th 4.54%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.26%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.41%Median 64.85%90th 85.85%Observations 57
Deposits YoY
FDIC
DEP+25.96%95th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.31%Median +4.47%90th +15.81%Observations 56
Loans YoY
FDIC
LNLSNET+30.30%93rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.80%Median +4.87%90th +17.53%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.51%90th 1.73%Observations 56
Leverage
FDIC
RBC1AAJ9.75%23rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.25%Median 11.03%90th 18.03%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.40%55th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.44%90th 3.50%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%73rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 205%90th 331%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.78%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.82%Median 1.39%90th 1.47%Observations 5
ROE
FDIC
NETINC + ROE6.17%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.31%Median 9.06%90th 9.45%Observations 5
NIM
FDIC
NIM + NIMY3.73%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.50%Median 3.85%90th 6.58%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.26%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 50.72%90th 68.98%Observations 5
Deposits YoY
FDIC
DEP+25.96%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.60%Median +25.96%90th +42.37%Observations 5
Loans YoY
FDIC
LNLSNET+30.30%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.29%Median +30.30%90th +46.06%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.30%Median 0.44%90th 1.57%Observations 5
Leverage
FDIC
RBC1AAJ9.75%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.04%Median 10.80%90th 11.46%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.40%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.43%Median 2.50%90th 3.52%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC267%75th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 17%Median 262%90th 288%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
93 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data