Town Bank

What sets Town Bank apart

How large is Town Bank?

The balance sheet of Town Bank at Q2 2026: assets $4.7 bn, deposits $3.8 bn, net loans $3.5 bn (loans equal to 91.68% of deposits). Securities make up 18.4% of total assets at Town Bank. Since Q1 2016, when Town Bank held $1.7 bn, its assets grew 180.5%. In the year to Q2 2026, deposits at Town Bank rose 4.3% while its total assets rose 7.2%. At Q2 2026, Town Bank employed 184 full-time equivalent staff across 26 offices, about $25.6 mn of assets per employee and $146.7 mn of deposits per office.

How much funding at Town Bank is uninsured?

At Town Bank, uninsured deposits (above the FDIC limit) made up 31.04% of domestic deposits at Q2 2026 (-4.43 pp on a year earlier); Town Bank ranks 300th of 500 on this measure. In dollars, Town Bank estimated $1.2 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Town Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Town Bank stood at 11.19% in Q2 2026, +0.38 pp year on year. Low and high at Town Bank since Q1 2016: 10.49% (Q1 2024) to 11.85% (Q1 2016). Equity capital of Town Bank at Q2 2026: $483.1 mn, or 10.3% of total assets. Town Bank also reported a total capital ratio of 11.78% for Q2 2026, and a tier 1 leverage ratio of 9.75%.

On held-to-maturity securities, Town Bank carried an unrealized loss of $65.3 mn at Q2 2026, equal to 13.5% of equity capital. The loss narrowed by $8.3 mn over the year. Its deepest point: $97.3 mn in Q3 2023. The available-for-sale portfolio of Town Bank showed an unrealized loss of $41.4 mn at Q2 2026; the loss narrowed by $5.5 mn over the year.

For the year to Q2 2026, Town Bank earned a return on equity of 13.73%; return on assets: 1.42%. Net interest margin at Town Bank: 3.08%, -0.04 pp in a year. Town Bank net income: $32.5 mn, up 24.4% year on year. The efficiency ratio of Town Bank was 42.47%: about 42 cents cost per revenue dollar, against 56 cents at the median peer.

At Q2 2026, noncurrent loans were 0.22% of total loans at Town Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Town Bank: $3.5 bn, up 6.2% in a year.

The peer group of Town Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Town Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Wisconsin. Against them, Town Bank shows CET1 ratio 11.19% against a peer median of 12.16%, return on equity 13.73% against a peer median of 11.56% and uninsured deposit share 31.04% against a peer median of 34.66%.

The FDIC history of Town Bank, oldest first; figures before and after each event are not like for like.

1. 31 March 2016. Absorbed Foundations Bank (FDIC certificate 57972).