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Town Bank, National Association
Hartland, WI·FDIC Cert #34717·Charter: OCC·Est. 19980723.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$4.5B
Q4 2025
Return on Assets
1.27%
-0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
43.54%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%-0.02
ROE
12.93%-0.34
Efficiency
43.54%-0.28
Equity/Assets
0.00%+0.00
NPL Ratio
0.15%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.81%+1.27
Charge-offs
0.07%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.0 | 1.0 | 1.0 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 11.3 | 10.9 | 10.8 | 11.0 | 12.5 | 12.6 | 13.3 | 12.9 |
| Efficiency | 51.4 | 52.1 | 51.0 | 49.6 | 45.1 | 44.9 | 43.8 | 43.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 83.2 | 83.0 | 87.5 | 87.5 | 89.1 | 89.9 | 87.5 | 88.8 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.7B
Total Loans$3.3B
Total Equity$465.5M
Profitability
ROA1.27%
ROE12.93%
Efficiency Ratio43.54%
Net Income$55.7M
Risk & Asset Quality
NPL Ratio0.15%
Charge-off Rate0.07%
Loan/Deposit88.81%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans