Towne Bank (TOWN) - Net Assets

Latest as of June 2026: $3.00 Billion USD

Based on the latest financial reports, Towne Bank (TOWN) has net assets worth $3.00 Billion USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($22.62 Billion) and total liabilities ($19.62 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check TOWN strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.

Key Net Assets Metrics

Metric	Value
Current Net Assets	$3.00 Billion
% of Total Assets	13.27%
Annual Growth Rate	18.21%
5-Year Change	-84.78%
10-Year Change	123.55%
Growth Volatility	146.36

Towne Bank - Net Assets Trend (2000–2025)

This chart illustrates how Towne Bank's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see how much is Towne Bank worth.

Annual Net Assets for Towne Bank (2000–2025)

The table below shows the annual net assets of Towne Bank from 2000 to 2025. Also explore how fast is Towne Bank growing its equity to track the company's year-over-year net asset growth rate.

Year	Net Assets	Change
2025-12-31	$2.43 Billion	+12.68%
2024-12-31	$2.16 Billion	+4.85%
2023-12-31	$2.06 Billion	-86.82%
2022-12-31	$15.59 Billion	-2.28%
2021-12-31	$15.96 Billion	+14.62%
2020-12-31	$13.92 Billion	+741.83%
2019-12-31	$1.65 Billion	+7.49%
2018-12-31	$1.54 Billion	+34.65%
2017-12-31	$1.14 Billion	+5.15%
2016-12-31	$1.09 Billion	+32.48%
2015-12-31	$820.19 Million	+32.66%
2014-12-31	$618.28 Million	+5.63%
2013-12-31	$585.32 Million	+4.54%
2012-12-31	$559.88 Million	+7.57%
2011-12-31	$520.49 Million	+4.20%
2010-12-31	$499.51 Million	+7.58%
2009-12-31	$464.32 Million	+10.64%
2008-12-31	$419.67 Million	+63.39%
2007-12-31	$256.86 Million	+11.67%
2006-12-31	$230.02 Million	+8.51%
2005-12-31	$211.99 Million	+12.45%
2004-12-31	$188.52 Million	+133.78%
2003-12-31	$80.64 Million	+13.83%
2002-12-31	$70.84 Million	+72.10%
2001-12-31	$41.16 Million	+11.08%
2000-12-31	$37.06 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Towne Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 108734300000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	$1.09 Billion	44.89%
Common Stock	$131.63 Million	5.43%
Other Comprehensive Income	$-51.68 Million	-2.13%
Other Components	$1.25 Billion	51.81%
Total Equity	$2.42 Billion	100.00%

Towne Bank Competitors by Market Cap

The table below lists competitors of Towne Bank ranked by their market capitalization.

Company	Market Cap
Firefly Aerospace Inc. Common Stock NASDAQ:FLY	$3.39 Billion
Bill Com Holdings Inc NYSE:BILL	$3.40 Billion
PT Trimegah Bangun Persada Tbk JK:NCKL	$3.40 Billion
Ninestar Corp SHE:002180	$3.40 Billion
Jiangsu Changshu Rural Commercial Bank Co Ltd SHG:601128	$3.39 Billion
LEENO Industrial Inc KQ:058470	$3.39 Billion
Highwoods Properties Inc NYSE:HIW	$3.39 Billion
BNK Financial Group Inc KO:138930	$3.38 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Towne Bank's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 2,139,332,000 to 2,422,067,000, a change of 282,735,000 (13.2%).
Net income of 169,526,000 contributed positively to equity growth.
Dividend payments of 79,297,000 reduced retained earnings.
Share repurchases of 575,000 reduced equity.
Other comprehensive income increased equity by 64,360,001.
Other factors increased equity by 128,720,999.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	$169.53 Million	+7.0%
Dividends Paid	$79.30 Million	-3.27%
Share Repurchases	$575.00K	-0.02%
Other Comprehensive Income	$64.36 Million	+2.66%
Other Changes	$128.72 Million	+5.31%
Total Change	$-	13.22%

Book Value vs Market Value Analysis

This analysis compares Towne Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.18x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 12.96x to 1.18x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2000-12-31	$2.87	$37.16	x
2001-12-31	$2.85	$37.16	x
2002-12-31	$4.37	$37.16	x
2003-12-31	$4.67	$37.16	x
2004-12-31	$8.60	$37.16	x
2005-12-31	$8.61	$37.16	x
2006-12-31	$8.82	$37.16	x
2007-12-31	$9.49	$37.16	x
2008-12-31	$15.39	$37.16	x
2009-12-31	$16.63	$37.16	x
2010-12-31	$16.21	$37.16	x
2011-12-31	$16.64	$37.16	x
2012-12-31	$17.81	$37.16	x
2013-12-31	$17.51	$37.16	x
2014-12-31	$17.30	$37.16	x
2015-12-31	$15.85	$37.16	x
2016-12-31	$18.92	$37.16	x
2017-12-31	$18.13	$37.16	x
2018-12-31	$21.40	$37.16	x
2019-12-31	$22.73	$37.16	x
2020-12-31	$192.42	$37.16	x
2021-12-31	$219.90	$37.16	x
2022-12-31	$214.85	$37.16	x
2023-12-31	$27.32	$37.16	x
2024-12-31	$28.44	$37.16	x
2025-12-31	$31.56	$37.16	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Towne Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 7.00%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 16.82%
• Asset Turnover: 0.05x
• Equity Multiplier: 8.13x
Recent ROE (7.00%) is above the historical average (6.47%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2000	3.29%	18.52%	0.02x	10.38x	$-2.49 Million
2001	6.41%	27.82%	0.02x	13.59x	$-1.48 Million
2002	7.77%	10.55%	0.07x	10.78x	$-1.58 Million
2003	8.21%	11.50%	0.06x	11.56x	$-1.44 Million
2004	5.98%	13.95%	0.06x	7.68x	$-7.57 Million
2005	8.34%	14.31%	0.07x	8.51x	$-3.52 Million
2006	9.47%	13.60%	0.07x	9.54x	$-1.22 Million
2007	9.06%	12.07%	0.08x	9.74x	$-2.43 Million
2008	5.69%	12.27%	0.06x	7.47x	$-18.07 Million
2009	5.85%	11.96%	0.06x	7.88x	$-19.00 Million
2010	6.15%	12.91%	0.06x	7.86x	$-18.96 Million
2011	6.48%	13.90%	0.06x	7.94x	$-18.10 Million
2012	6.86%	14.75%	0.06x	7.97x	$-17.36 Million
2013	7.25%	16.05%	0.06x	8.11x	$-15.87 Million
2014	6.92%	15.69%	0.05x	8.18x	$-18.73 Million
2015	7.69%	18.93%	0.05x	7.76x	$-18.71 Million
2016	6.26%	16.45%	0.05x	7.42x	$-40.26 Million
2017	7.75%	17.80%	0.06x	7.53x	$-25.46 Million
2018	8.77%	21.83%	0.05x	7.32x	$-18.76 Million
2019	8.46%	20.63%	0.06x	7.28x	$-25.29 Million
2020	1.05%	19.61%	0.05x	1.05x	$-1.25 Billion
2021	1.35%	29.91%	0.04x	1.03x	$-1.38 Billion
2022	1.21%	25.44%	0.05x	1.02x	$-1.37 Billion
2023	7.54%	16.31%	0.06x	8.25x	$-50.28 Million
2024	7.56%	15.79%	0.06x	8.06x	$-52.18 Million
2025	7.00%	16.82%	0.05x	8.13x	$-72.68 Million

Industry Comparison

This section compares Towne Bank's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $574,041,500
Average return on equity (ROE) among peers: 7.87%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Towne Bank (TOWN)	$3.00 Billion	3.29%	6.54x	$3.39 Billion
Ameris Bancorp (ABCB)	$141.98 Million	7.29%	7.40x	$4.95 Billion
Ameris Bancorp (ABCB)	$804.48 Million	9.14%	8.77x	$5.62 Billion
ACNB Corporation (ACNB)	$61.12 Million	12.64%	7.91x	$656.47 Million
Affinity Bancshares Inc (AFBI)	$45.08 Million	2.57%	4.16x	$140.18 Million
Alerus Financial Corp (ALRS)	$182.82 Million	9.36%	8.54x	$822.80 Million
Amalgamated Bank (AMAL)	$439.37 Million	10.16%	9.66x	$1.27 Billion
Amerant Bancorp Inc. (AMTB)	$747.42 Million	6.13%	9.87x	$979.96 Million
Arrow Financial Corporation (AROW)	$334.39 Million	12.21%	10.03x	$708.35 Million
Associated Banc-Corp (ASB)	$2.88 Billion	5.86%	7.41x	$5.62 Billion
AmeriServ Financial Inc (ASRV)	$107.25 Million	3.36%	12.26x	$78.95 Million

About Towne Bank

NASDAQ:TOWN USA Banks - Regional

Market Cap

$3.39 Billion

Market Cap Rank

#4568 Global

#1555 in USA

Share Price

$37.16

Change (1 day)

-1.12%

52-Week Range

$32.02 - $38.76

All Time High

$38.76