Tower Community Bank
Jasper, TN
IDRSSD: 989730
Total Assets
$383.99M
Latest filing
Total Deposits
$337.55M
Latest filing
Net Interest Margin
4.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Tower Community Bank
4564 Main St
Jasper, TN 37347
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/02/1970FDIC Certificate 13809
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Tower Community Bank (Main) | 4564 Main St | Jasper, TN |
| WHITWELL BRANCH | 13165 Highway 28 | Whitwell, TN |
| SOUTH PITTSBURG BRANCH | 315 S Cedar Ave | South Pittsburg, TN |
| MONTEAGLE BRANCH | 205 W Main St | Monteagle, TN |
| PEOPLES STATE BANK OF COMMERCE | 7242 Sr 28 | Dunlap, TN |
| TOWER COMMUNITY BANK ATM/DPO/LPO | 7271 Nolensville Rd | Nolensville, TN |
| NOLENSVILLE BRANCH | 7271 Nolensville Rd | Nolensville, TN |
| FRANKLIN BRANCH | 249 Fourth Avenue North | Franklin, TN |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1970 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37347 |
| State and County Number | 47115 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/02/1970 |
| Primary Insurance Agency | DIF |
| Website | www.towercommunitybank.com |
| Data Updated | 11/14/2025 |
| CERT | 20100 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $383.99M |
| Total Deposits | $337.55M |
| Total Liabilities | $343.72M |
| Total Equity Capital | $40.27M |
| Net Income | $826.00k |
| Net Loans and Leases | $282.46M |
| Assets Per Employee ($Millions) | $5.65M |
| Bank Premises and Fixed Assets | $12.31M |
| Cash and Balances due from Depository Institutions | $33.94M |
| Deposits Held in Domestic Offices | $337.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 8.18% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 71.95% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.349% |
| Earning Assets to total Assets | 91.51% |
Income and Expense
| Total Interest Income | $5.88M |
| Total Noninterest Income | $914.00k |
| Total Interest Expense | $1.91M |
| Total Noninterest Expense | $3.55M |
| Net Interest Income | $3.97M |
| Pre-tax Net Operating Income | $1.15M |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.75M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.18M |
| Total Liabilities and Capital | $383.99M |
Securities
| Securities | $39.59M |
| Available-for-sale debt securities | $39.59M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Tower Community Bank?
$383.99M as of the latest filing.
How much are Tower Community Bank's total deposits?
$337.55M in total deposits.
Where is Tower Community Bank located?
Jasper, TN.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
11.
When was it established?
01/02/1970.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$282.46M (latest filing).
What is the total interest income (latest filing)?
$5.88M.