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TowneBank (TOWN) investor relations material
TowneBank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved 23.6% year-over-year revenue growth in Q3 2025, with total revenue reaching $215.67 million.
Net income for Q3 2025 was $38.98 million ($0.51/diluted share), a 9.2% decrease year-over-year, while core earnings (non-GAAP) rose to $63.45 million ($0.83/diluted share), reflecting strong underlying performance and acquisition impacts.
Maintained #1 deposit market share in Hampton Roads and ranked on Forbes Best Banks List for seven consecutive years.
Completed acquisitions of Old Point Financial and Village Bank, adding significant loans and deposits.
Financial highlights
Total assets grew 14.5% year-over-year to $19.68 billion; loans increased 17.2% to $13.38 billion; deposits rose 15.1% to $16.53 billion.
Net interest income rose to $146.95 million from $112.28 million year-over-year; noninterest income increased 10.4% to $68.71 million.
Net interest margin (tax equivalent) expanded to 3.50% from 2.93% a year ago.
Provision for credit losses increased significantly to $15.28 million from a net benefit last year.
Noninterest expense increased 21.1% year-over-year, reflecting higher compensation and acquisition-related costs.
Outlook and guidance
Targeting mid-single digit annualized core loan growth.
FY2025 net interest income expected between $560–570 million; noninterest income $270–275 million; noninterest expense $545–555 million (excluding one-time M&A expenses).
Integration of Old Point expected to complete in Q1 2026; Dogwood system integration scheduled for H2 2026.
Anticipates stable credit quality with potential for incremental reserve build due to M&A and loan growth.
Strategic focus on capital and liquidity to support growth and opportunistic M&A.
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Q4 202522 Jan, 2026
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Frequently asked questions
TowneBank is a financial services company. It offers a wide range of personal and business banking solutions, including checking and savings accounts, loans, credit cards, and treasury services. Beyond traditional banking, TowneBank also provides services through its various affiliated companies, which include Towne Wealth Management, Towne Insurance, Towne Benefits, TowneBank Mortgage, and Towne 1031 Exchange. These subsidiaries extend the company's capabilities into areas such as wealth management, insurance, employee benefits, real estate, and specialized financial exchanges. The company is headquartred in Suffolk, Virginia, and its shares are listed on the NASDAQ.
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