Tower Community Bank: how it compares with its peers
Against 48 TN banks with half to twice its assets, Tower Community Bank's strongest measure in Q2 2026 is net interest margin (4.50% vs. a 3.99% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.3M).
| Measure | Tower Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 0.96% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 3.99% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.07% | 68.85% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.3M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.21% | 82.75% | Context |
What it means for lending operations
Its efficiency ratio of 63.07% is better than the 68.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Oneida Oneida, TN · $368M
- RockPointBank, National Association Chattanooga, TN · $384M
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
- Community Bank Lexington, TN · $358M
- Volunteer Federal Savings Bank Madisonville, TN · $397M
- Citizens Community Bank Winchester, TN · $353M
Questions about Tower Community Bank
How big is Tower Community Bank?
Tower Community Bank, established in 1970, is headquartered in Jasper, TN. It reported $375M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Tower Community Bank's return on assets?
1.19% annualized in Q2 2026, against a 0.96% median for 48 TN banks with half to twice its assets, ahead of 63% of them.
What is Tower Community Bank's efficiency ratio?
63.07% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 68.85%, and lower is better.
Is Tower Community Bank growing its loans?
Net loans shrank 5.3% over the year to Q2 2026, while deposits shrank 4.0%.
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 TN 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 Tennessee bank ranked.