TownBridge Bank: how it compares with its peers
Against 10 MS banks with half to twice its assets, TownBridge Bank's strongest measure in Q2 2026 is return on assets (2.22% vs. a 1.01% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $5.8M).
| Measure | TownBridge Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.01% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 3.38% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.80% | 64.98% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $5.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.27% | 69.25% | Context |
What it means for lending operations
Its efficiency ratio of 75.80% is above the 64.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- PriorityOne Bank Magee, MS · $1.18B
- The Citizens Bank of Philadelphia, Mississippi Philadelphia, MS · $1.56B
- Bank of Commerce Greenwood, MS · $1.13B
- Story Bank DBA Story Financial Partners Jackson, MS · $1.01B
- First Security Bank Batesville, MS · $977M
- First State Bank Waynesboro, MS · $952M
Questions about TownBridge Bank
How big is TownBridge Bank?
TownBridge Bank, established in 1932, is headquartered in Pascagoula, MS. It reported $1.35B in total assets in its Q2 2026 FDIC call report and operates 24 offices.
What is TownBridge Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.01% median for 10 MS banks with half to twice its assets, ahead of 100% of them.
What is TownBridge Bank's efficiency ratio?
75.80% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 64.98%, and lower is better.
Is TownBridge Bank growing its loans?
Net loans grew 45.9% over the year to Q2 2026, while deposits grew 56.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.