BlastPoint's Banking Scorecard
TowneBank
Mid-Market
Specialty: Commercial
VA
FDIC cert 35095
Portsmouth, VA
201
banks in Mid-Market tier nationally
2 in VA
View Mid-Market leaderboard (VA) →
TowneBank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44% in Mid-Market
- + Credit Quality Leader: Top 49% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.7B
+14.1% YoY
+0.0% QoQ
|
+$9.2B |
$10.5B
+2.9% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$13.3B
+15.7% YoY
-0.7% QoQ
|
+$6.2B |
$7.1B
+4.5% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$16.6B
+14.2% YoY
-0.1% QoQ
|
+$8.1B |
$8.5B
+3.0% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.90%
-4.9% YoY
-2.2% QoQ
|
-0.26% |
1.16%
+9.4% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.38%
+15.7% YoY
+3.3% QoQ
|
-0.01% |
3.40%
+7.9% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
71.94%
-1.3% YoY
+1.5% QoQ
|
+15.33% |
56.60%
-3.2% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.09%
+25.6% YoY
+32.9% QoQ
|
-0.59% |
0.68%
+12.0% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
80.36%
+1.2% YoY
-0.6% QoQ
|
-5.11% |
85.47%
+1.1% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
31.12%
+4.0% YoY
-1.2% QoQ
|
+10.48% |
20.64%
-0.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.07%
+40.1% YoY
+24.5% QoQ
|
-0.43% |
0.50%
+7.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
11.39%
-11.6% YoY
+1.4% QoQ
|
-2.16% |
13.55%
+1.8% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
19% |
| Non-Interest Income / Assets ? |
1.67%
-5.4% YoY
+29.9% QoQ
|
+0.71% |
0.96%
+7.1% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#22 of 49 · Top 44% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.67%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
0.90%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#25 of 50 · Top 49% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Credit Quality Pressure
risk
#2 of 113 · Bottom 1% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.68%
92
92th pctile
Total Deposits
Current: $16.6B · Tier avg: $8.5B
92
92th pctile
Total Assets
Current: $19.7B · Tier avg: $10.5B
91
91th pctile
Non-Interest Income / Assets
Current: 1.67% · Tier avg: 0.96%
90
90th pctile
Total Loans
Current: $13.3B · Tier avg: $7.1B
90
90th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 31.12% · Tier avg: 20.64%
43
43th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.40%
33
33th pctile
Loan-to-Deposit Ratio
Current: 80.36% · Tier avg: 85.47%
30
30th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
19
19th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 13.55%
13
13th pctile
Efficiency Ratio
Current: 71.94% · Tier avg: 56.60%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 71.94% · Tier avg: 56.60%
19
19th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 13.55%
30
30th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
33
33th pctile
Loan-to-Deposit Ratio
Current: 80.36% · Tier avg: 85.47%
43
43th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.40%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 31.12% · Tier avg: 20.64%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
90
90th pctile
Total Loans
Current: $13.3B · Tier avg: $7.1B
91
91th pctile
Non-Interest Income / Assets
Current: 1.67% · Tier avg: 0.96%
92
92th pctile
Total Assets
Current: $19.7B · Tier avg: $10.5B
92
92th pctile
Total Deposits
Current: $16.6B · Tier avg: $8.5B
92
92th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.68%