TowneBank
Total assets
$22.62B
▲ +23.8% YoY
Deposits
$18.82B
▲ +21.7% YoY
Loans
$15.28B
▲ +22.6% YoY
Offices
81
ROA (annualized)
2.17%
peers 1.23%
ROE (annualized)
16.91%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | TowneBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.8% | +5.9% | +18.0 pts |
| Deposit growth (YoY) | +21.7% | +5.7% | +16.0 pts |
| Loan growth (YoY) | +22.6% | +6.9% | +15.6 pts |
| ROA | 2.17% | 1.23% | +0.9 pts |
| ROE | 16.9% | 11.2% | +5.7 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 5716 High St W, Portsmouth, VA, 23703
- County
- Portsmouth City
- Metro area
- Virginia Beach-Norfolk-Newport News, VA-NC
- Offices
- 81
- FDIC cert #
- 35095
- RSSD ID
- 2797724
- 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 | $22.62B | $18.82B | $15.28B | $2.99B | $234.2M | 2.17% | 3.77% | 0.21% |
| Q1 2026 | $22.36B | $18.59B | $15.24B | $2.89B | $41.0M | 0.78% | 3.73% | 0.23% |
| Q4 2025 | $19.69B | $16.60B | $13.34B | $2.42B | $169.5M | 0.90% | 3.38% | 0.07% |
| Q3 2025 | $19.68B | $16.63B | $13.44B | $2.40B | $128.4M | 0.92% | 3.28% | 0.06% |
| Q2 2025 | $18.26B | $15.47B | $12.46B | $2.23B | $89.4M | 0.98% | 3.19% | 0.05% |
| Q1 2025 | $17.51B | $14.76B | $11.70B | $2.20B | $50.6M | 1.16% | 3.12% | 0.04% |
| Q4 2024 | $17.25B | $14.53B | $11.54B | $2.14B | $161.8M | 0.95% | 2.93% | 0.05% |
| Q3 2024 | $17.19B | $14.47B | $11.55B | $2.15B | $120.5M | 0.95% | 2.87% | 0.04% |
Loan mix (Q2 2026): real estate $12.28B · commercial $1.68B · consumer $798.5M · securities $3.07B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | TowneBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.23% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.3% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.55% | 62th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 54.9% | 60th | |
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 | TowneBank | 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 | TowneBank | 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 | TowneBank | 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 | TowneBank | 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.
Similar banks
- United BankFairfax, VA · $33.64B
- Wilmington Savings Fund Society, FSBWilmington, DE · $22.57B
- State Bank of IndiaNew York, NY · $22.51B
- First Financial BankCincinnati, OH · $22.35B
- Beacon Bank and TrustBoston, MA · $22.20B
- Atlantic Union BankRichmond City, VA · $38.02B
Selling to TowneBank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.