Tower Community Bank

Jasper, Tennessee, Marion County

$375M in total assets, the 2,193rd largest of 4,309 US banks and 65th of 109 headquartered in Tennessee.

At a glance

Compared with 71 banks headquartered in Tennessee with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$375M	54%	$353M
Loans	$284M	56%	$254M
Deposits	$329M	55%	$301M
Return on assets	0.91%	35%	0.99%
Net interest margin	4.50%	79%	4.00%
Efficiency ratio	63.1%	39%	66.7%
Equity to assets	10.87%	70%	9.80%
Loans to deposits	86%	61%	83%

Total assets grew 8.4% a year over the last 5 years and 9.7% a year over 10 years, without acquisitions.

7 branches in 3 counties.

County	Deposits	Market share	Rank
Marion County, TN	$275M	37.2%	1 of 5
Hamilton County, TN	$28M	0.2%	19 of 23
Williamson County, TN	$27M	0.2%	34 of 35

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 1 branch since 2016 (6 to 7, +16.7%). 5 opened, 0 acquired, 4 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				6
2017	Opened Franklin and Nolensville	2	0	+2	8
2018	Opened Chattanooga	1	0	+1	9
2020	Closed Lynchburg	0	1	−1	8
2021	Opened Madison	1	0	+1	9
2024	Opened Murfreesboro	1	0	+1	10
2025	Closed 3 in 2 states	0	3	−3	7

Type	This bank	Peers
1-4 family residential	57%	40%
Commercial real estate	18%	25%
Construction and land	15%	12%
Business (C&I)	6%	10%
Consumer	3%	4%
Multifamily	2%	3%
Farmland	0%	4%
Agricultural	0%	1%

Type	This bank	Peers
Other interest-bearing	42%	41%
Time deposits	40%	39%
Noninterest-bearing	17%	19%

Brokered deposits are 4.6% of deposits (peers 3.8%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/tower