Town Bank, National Association: how it compares with its peers
Against 9 WI banks with half to twice its assets, Town Bank, National Association's strongest measure in Q2 2026 is efficiency ratio (42.47% vs. a 58.08% peer median). Its weakest relative measure is net interest margin (3.08% vs. 3.80%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.33% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.08% | 3.80% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.47% | 58.08% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $25.6M | $9.1M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.68% | 94.46% | Context |
What it means for lending operations
Its efficiency ratio of 42.47% is better than the 58.08% 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
- John Deere Financial, f.s.b. Middleton, WI · $4.93B
- First Business Bank Madison, WI · $4.41B
- Bank First, N.A. Manitowoc, WI · $5.94B
- Lake Ridge Bank Middleton, WI · $3.35B
- National Exchange Bank and Trust Fond Du Lac, WI · $2.89B
- One Community Bank Oregon, WI · $2.63B
Questions about Town Bank, National Association
How big is Town Bank, National Association?
Town Bank, National Association, established in 1998, is headquartered in Hartland, WI. It reported $4.71B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Town Bank, National Association's return on assets?
1.42% annualized in Q2 2026, against a 1.33% median for 9 WI banks with half to twice its assets, ahead of 67% of them.
What is Town Bank, National Association's efficiency ratio?
42.47% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 58.08%, and lower is better.
Is Town Bank, National Association growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 4.3%.
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 WI 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 Wisconsin bank ranked.