Tower Community Bank
Total assets
$375.4M
▼ -3.3% YoY
Deposits
$329.3M
▼ -4.0% YoY
Loans
$280.6M
▼ -5.3% YoY
Offices
9
GENERAL BANCSHARES INC
ROA (annualized)
1.19%
peers 1.24%
ROE (annualized)
11.23%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Tower Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.7 pts |
| Deposit growth (YoY) | -4.0% | +4.0% | -8.0 pts |
| Loan growth (YoY) | -5.3% | +5.6% | -10.8 pts |
| ROA | 1.19% | 1.24% | -0.1 pts |
| ROE | 11.2% | 11.9% | -0.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
Profile
- Established
- 1970
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- GENERAL BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 4564 Main St, Jasper, TN, 37347
- County
- Marion
- Metro area
- Chattanooga, TN-GA
- Offices
- 9
- FDIC cert #
- 20100
- RSSD ID
- 989730
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.4M | $329.3M | $280.6M | $40.8M | $2.3M | 1.19% | 4.50% | 0.47% |
| Q1 2026 | $385.2M | $339.8M | $285.2M | $40.1M | $1.1M | 1.13% | 4.43% | 0.94% |
| Q4 2025 | $382.4M | $336.9M | $290.0M | $39.9M | $3.1M | 0.80% | 4.51% | 0.62% |
| Q3 2025 | $384.0M | $337.5M | $282.5M | $39.7M | $2.7M | 0.92% | 4.48% | 0.66% |
| Q2 2025 | $388.4M | $343.1M | $296.2M | $39.0M | $1.9M | 0.96% | 4.47% | 0.69% |
| Q1 2025 | $400.7M | $351.8M | $298.1M | $38.3M | $913K | 0.93% | 4.37% | 0.84% |
| Q4 2024 | $387.5M | $339.1M | $295.6M | $37.5M | $4.2M | 1.05% | 4.36% | 0.73% |
| Q3 2024 | $400.6M | $345.6M | $298.1M | $37.6M | $3.0M | 1.01% | 4.40% | 0.61% |
Loan mix (Q2 2026): real estate $258.9M · commercial $16.9M · consumer $7.5M · securities $41.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Tower Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Tower Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Tower Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Tower Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Tower Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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