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Tower Community Bank
Jasper, TN · FDIC Certificate #20100 · Chartered 01/0
Total assets
$375.44M
Total deposits
$329.32M
Total equity
$41.43M
Net loans
$280.61M
Branches (offices)
7
Net income (YTD)
$2.26M
Rank: #2,157 of 4,213 U.S. banks by assets · #65 of 109 in Tennessee. Assets changed -3.3% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 11.23% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 10.43% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $258.87M | 92.3% | |
| Commercial & industrial | $16.93M | 6.0% | |
| Consumer / individual | $7.49M | 2.7% | |
| Construction & development | $41.58M | 14.8% | |
| Agricultural | $366.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $305.78M | $267.70M | $1.17M | $27.88M |
| Jun 2023 | $393.22M | $336.49M | $1.54M | $34.45M |
| Jun 2024 | $404.47M | $347.11M | $2.00M | $36.30M |
| Jun 2025 | $388.39M | $343.06M | $1.89M | $39.54M |
| Jun 2026 | $375.44M | $329.32M | $2.26M | $41.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $329.32M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $329.32M.
Similar-sized banks
The Fisher National Bank ($375.52M) · Georgia Community Bank ($374.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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