Town Center Bank
Town Center Bank provides various financial services to individuals and businesses in Illinois. The company offers a range of deposit products, such as checking accounts, sweep accounts, savings accounts, term certificate accounts, and certificates of deposit; and various lending products comprising commercial loans, consumer loans, home mortgage loans, home equity lines of credit, home equity lo… Read more
Town Center Bank (TCNB) - Net Assets
Latest net assets as of June 2025: $19.39 Million USD
Based on the latest financial reports, Town Center Bank (TCNB) has net assets worth $19.39 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($162.42 Million) and total liabilities ($143.03 Million). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $19.39 Million |
| % of Total Assets | 11.94% |
| Annual Growth Rate | 6.94% |
| 5-Year Change | 22.25% |
| 10-Year Change | 99.74% |
| Growth Volatility | 8.35 |
Town Center Bank - Net Assets Trend (2014–2024)
This chart illustrates how Town Center Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Town Center Bank (2014–2024)
The table below shows the annual net assets of Town Center Bank from 2014 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $18.61 Million | +9.92% |
| 2023-12-31 | $16.93 Million | +8.01% |
| 2022-12-31 | $15.67 Million | -4.93% |
| 2021-12-31 | $16.48 Million | +8.30% |
| 2020-12-31 | $15.22 Million | +7.07% |
| 2019-12-31 | $14.21 Million | +24.95% |
| 2018-12-31 | $11.38 Million | +16.45% |
| 2017-12-31 | $9.77 Million | +0.30% |
| 2016-12-31 | $9.74 Million | +4.57% |
| 2015-12-31 | $9.31 Million | -2.05% |
| 2014-12-31 | $9.51 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Town Center 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 1003500000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $22.39 Million | 120.32% |
| Total Equity | $18.61 Million | 100.00% |
Town Center Bank Competitors by Market Cap
The table below lists competitors of Town Center Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Can One Bhd
KLSE:5105
|
$12.13 Million |
|
Obzen Inc.
KQ:417860
|
$12.13 Million |
|
New Tech Minerals Corp
OTCQB:APCOF
|
$12.13 Million |
|
Boho Group AB
ST:BOHO-PREF
|
$12.14 Million |
|
Audacia SAS
PA:ALAUD
|
$12.12 Million |
|
EMC Instytut Medyczny SA
WAR:EMC
|
$12.12 Million |
|
Riverview Rubber Estates Bhd
KLSE:2542
|
$12.11 Million |
|
Lippo Cikarang Tbk
JK:LPCK
|
$12.11 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Town Center Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 16,927,000 to 18,606,000, a change of 1,679,000 (9.9%).
- Net income of 1,494,000 contributed positively to equity growth.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.49 Million | +8.03% |
| Other Changes | $185.00K | +0.99% |
| Total Change | $- | 9.92% |
Book Value vs Market Value Analysis
This analysis compares Town Center 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: 0.75x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.42x to 0.75x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $4.19 | $5.95 | x |
| 2018-12-31 | $4.88 | $5.95 | x |
| 2019-12-31 | $6.09 | $5.95 | x |
| 2020-12-31 | $6.52 | $5.95 | x |
| 2021-12-31 | $7.06 | $5.95 | x |
| 2022-12-31 | $6.72 | $5.95 | x |
| 2023-12-31 | $7.25 | $5.95 | x |
| 2024-12-31 | $7.97 | $5.95 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Town Center 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): 8.03%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.76%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 8.88x
- Recent ROE (8.03%) is above the historical average (6.81%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 3.95% | 8.69% | 0.04x | 11.62x | $-575.00K |
| 2015 | 0.82% | 1.84% | 0.04x | 11.18x | $-855.50K |
| 2016 | 7.16% | 19.67% | 0.04x | 9.68x | $-277.10K |
| 2017 | 1.55% | 3.92% | 0.04x | 10.08x | $-826.00K |
| 2018 | 15.17% | 42.08% | 0.04x | 9.13x | $588.30K |
| 2019 | 15.77% | 54.50% | 0.04x | 7.51x | $819.50K |
| 2020 | 4.78% | 14.17% | 0.03x | 10.25x | $-794.00K |
| 2021 | 9.75% | 24.43% | 0.04x | 9.06x | $-40.40K |
| 2022 | 1.68% | 4.67% | 0.04x | 8.57x | $-1.30 Million |
| 2023 | 6.21% | 17.43% | 0.04x | 8.72x | $-641.70K |
| 2024 | 8.03% | 21.76% | 0.04x | 8.88x | $-366.60K |
Industry Comparison
This section compares Town Center Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Town Center Bank (TCNB) | $19.39 Million | 3.95% | 7.38x | $12.12 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |