Townebank (FDIC #35095): Bank Stress & Real-Estate Credit Exposure
Townebank (FDIC Cert #35095): bank stress 36/100, contained, STABLE over 7 days.
Townebank (#35095) lends in 35 counties across 4 states; Townebank (#35095) reaches 495 ZIP codes: Virginia 17 counties, 143 ZIPs; North Carolina 13 counties, 261 ZIPs; South Carolina 4 counties, 83 ZIPs; Tennessee 1 county, 8 ZIPs.
Townebank (#35095) largest markets: Wake County, NC (205 branches, 41 ZIPs) (#35095), Mecklenburg County, NC (148 branches, 37 ZIPs) (#35095), Guilford County, NC (35 branches, 35 ZIPs) (#35095), Charleston County, SC (31 branches, 31 ZIPs) (#35095), Greenville County, SC (27 branches, 27 ZIPs) (#35095), Cumberland County, NC (25 branches, 25 ZIPs) (#35095).
Townebank (#35095) reports $22.62 billion in total assets; Townebank (#35095) equity $2.99 billion (13.2% of Townebank (#35095) assets); Townebank (#35095) domestic deposits $18.82 billion; Townebank (#35095) net income $234.2 million; Townebank (#35095) return on assets 2.17%; Townebank (#35095) return on equity 16.91%; Townebank (#35095) net interest income $358.2 million; Townebank (#35095) call report June 30, 2026.
Townebank (#35095) noncurrent real-estate loans: none reported; Townebank (#35095) residential 0.01%; Townebank (#35095) net charge-offs on real estate 0.18%; Townebank (#35095) multifamily charge-offs 0.02%; Townebank (#35095) residential charge-offs 0.25%.
Townebank (#35095) net interest margin 3.77% against an eight-quarter Townebank (#35095) average of 3.28% (Townebank (#35095) compression -0.48 points); Townebank (#35095) non-residential real estate 24.5% of equity; Townebank (#35095) rate-exposure score 40/100, Townebank (#35095) fixed-rate trap 40/100; Townebank (#35095) risk type rate trapped; Townebank (#35095) rate regime rates elevated, Townebank (#35095) snapshot October 19, 2026.
Townebank (#35095) stress score moved from 62.9 on June 22, 2026 to 35.7 on October 19, 2026; Townebank (#35095) ranged 35.7 to 62.9 over 116 snapshots.
Townebank (#35095) alerts: 33 counties; top Townebank (#35095) alert scores: Williamsburg County, VA 36 (moderate); Suffolk County, VA 35 (low); Portsmouth County, VA 34 (low); Charlotte County, VA 34 (low); Virginia Beach County, VA 33 (low).