Tower Community Bank (FDIC #20100): Bank Stress & Real-Estate Credit Exposure
Tower Community Bank (FDIC Cert #20100): bank stress 64/100, elevated, STABLE over 7 days; parent GENERAL BANCSHARES INC.
Tower Community Bank (#20100) lends in 3 counties across 1 state; Tower Community Bank (#20100) reaches 57 ZIP codes: Tennessee 3 counties, 57 ZIPs.
Tower Community Bank (#20100) largest markets: Hamilton County, TN (32 branches, 32 ZIPs) (#20100), Williamson County, TN (32 branches, 16 ZIPs) (#20100), Marion County, TN (48 branches, 12 ZIPs) (#20100).
Tower Community Bank (#20100) reports $375.4 million in total assets; Tower Community Bank (#20100) equity $40.8 million (10.9% of Tower Community Bank (#20100) assets); Tower Community Bank (#20100) domestic deposits $329.3 million; Tower Community Bank (#20100) net income $2.3 million; Tower Community Bank (#20100) return on assets 1.19%; Tower Community Bank (#20100) return on equity 11.23%; Tower Community Bank (#20100) net interest income $7.9 million; Tower Community Bank (#20100) call report June 30, 2026.
Tower Community Bank (#20100) noncurrent real-estate loans: none reported; Tower Community Bank (#20100) net charge-offs on real estate 0.44%.
Tower Community Bank (#20100) net interest margin 4.50% against an eight-quarter Tower Community Bank (#20100) average of 4.44% (Tower Community Bank (#20100) compression -0.06 points); Tower Community Bank (#20100) non-residential real estate 0.2% of equity; Tower Community Bank (#20100) rate-exposure score 40/100, Tower Community Bank (#20100) fixed-rate trap 40/100; Tower Community Bank (#20100) risk type credit driven; Tower Community Bank (#20100) rate regime rates elevated, Tower Community Bank (#20100) snapshot October 20, 2026.
Tower Community Bank (#20100) stress score moved from 65 on June 22, 2026 to 63.7 on October 20, 2026; Tower Community Bank (#20100) ranged 63.7 to 65 over 117 snapshots.
Tower Community Bank (#20100) alerts: 3 counties; top Tower Community Bank (#20100) alert scores: Chattanooga County, TN 22 (low); Nolensville County, TN 22 (low); Whitwell County, TN 22 (low).