TellerScore

Headquartered in Jasper, Tennessee, Tower Community Bank is a state-chartered bank with $375.4M in total assets and $329.3M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1970.

Tower Community Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 57th. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (54/100, 10.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.43%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings67/100
Return on assets (annualized): 1.19%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 85.2% · 25.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.97%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the capital cushion component improved by 9 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202460
Q1 202562
Q2 202566
Q3 202567
Q4 202565
Q1 202664
Q2 202670
Tier 1 leverage ratio
5.00%7.71%10.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.60%
Q3 20248.90%
Q4 20249.26%
Q1 20259.33%
Q2 20259.46%
Q3 20259.72%
Q4 20259.74%
Q1 20269.89%
Q2 202610.43%
Noncurrent loans
0.23%0.59%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.81%
Q4 20240.95%
Q1 20250.62%
Q2 20250.23%
Q3 20250.28%
Q4 20250.26%
Q1 20260.68%
Q2 20260.43%
Return on assets
0.80%0.99%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.01%
Q4 20241.05%
Q1 20250.93%
Q2 20250.96%
Q3 20250.92%
Q4 20250.80%
Q1 20261.13%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$375.4M10.43%0.43%1.19%85.2%
Q1 202664$385.2M9.89%0.68%1.13%83.9%
Q4 202565$382.4M9.74%0.26%0.80%86.1%
Q3 202567$384.0M9.72%0.28%0.92%83.7%
Q2 202566$388.4M9.46%0.23%0.96%86.3%
Q1 202562$400.7M9.33%0.62%0.93%84.7%
Q4 202460$387.5M9.26%0.95%1.05%87.2%
Q3 202460$400.6M8.90%0.81%1.01%86.3%
Q2 202463$404.5M8.60%0.34%1.00%91.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.43%
40th
Total risk-based capital0.00%
24th
Problem loans0.43%
49th
Net charge-offs0.07%
24th
Return on assets1.19%
46th
Net interest margin4.50%
80th
Efficiency ratio63.1%
48th
Loans to deposits85.2%
37th
Uninsured deposits25.5%
44th
Loan-loss reserves1.11%
40th
Texas ratio4.0%
41st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of OneidaBank Oneida, TN82 out of 100, Strong$367.8M11.0%0.27%vs
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs
Community BankBank Lexington, TN64 out of 100, Moderate$357.5M10.6%0.71%vs
Volunteer Federal Savings BankBank Madisonville, TN75 out of 100, Strong$397.1M11.2%0.34%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs

Deposit insurance

Is my money safe at Tower Community Bank?

Yes. Tower Community Bank is an FDIC-insured institution (FDIC certificate #20100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($83.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Tower Community Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tower Community Bank reported 37 home-loan applications under HMDA (LEI 549300IBHFWCA2THLC52): 33 originated ($9,495,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tower Community Bank
Former names
Citizens State Bank
Type
State-chartered bank
FDIC certificate #
20100
RSSD ID
989730
Primary regulator
FDIC
Holding company
General Bancshares Inc
Established
January 2, 1970
Headquarters
4564 Main St, Jasper, TN 37347
Employees
68

Quick answers

Tower Community Bank: common questions

Is Tower Community Bank FDIC insured?

Yes. Tower Community Bank is an FDIC-insured institution (FDIC certificate #20100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tower Community Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Tower Community Bank ever failed?

There is no failure record for FDIC certificate #20100 in the FDIC failed bank list.

How many branches does Tower Community Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jasper

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Bank of DadeBank Trenton, GA79 out of 100, Strong$162.3M9.4%0.25%vs