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TowneBank (TOWN) investor relations material
TowneBank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Achieved record Q2 2025 revenue of $207.44 million, up 18.6% year-over-year, driven by organic loan growth and the Village Bank acquisition.
Net income declined 9.4% year-over-year to $38.84 million ($0.51 per share), impacted by $18.74 million in acquisition-related expenses.
Core net income rose 20.3% year-over-year, with core EPS up 19.1%.
Completed Village Bank acquisition, adding $576.6 million in loans and $637.5 million in deposits; announced pending merger with Old Point Financial Corporation.
Maintained #1 deposit market share in Hampton Roads and ranked on Forbes Best Banks list for 7 years.
Financial highlights
Net interest income increased 25.8% year-over-year to $137.21 million, with net interest margin expanding 51 bps to 3.40%.
Total assets grew to $18.26 billion, loans to $12.36 billion, and deposits to $15.33 billion, all up over 7% year-over-year.
Noninterest income rose 6.5% year-over-year, led by insurance, property management, and mortgage banking.
Book value per share rose 7.1% to $29.58; tangible book value per share up 6.4% to $21.98.
Allowance for credit losses at 1.09% of loans; nonperforming assets at 0.05% of total assets.
Outlook and guidance
Targeting mid-single digit annualized core loan growth and stable credit quality.
FY2025 net interest income expected at $545–555 million, noninterest income at $265–270 million, and noninterest expense at $525–535 million, excluding one-time M&A costs.
Management expects the effective tax rate to normalize in the second half of 2025 after a temporary increase due to acquisition-related items.
Mortgage banking expected to remain soft due to rate environment and low inventory.
Anticipates continued strong capital and liquidity to support growth and further M&A activity.
Village acquisition's net impact on Q2 earnings
NIM expansion drivers and future outlook
Liquidity coverage for uninsured deposits
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Next TowneBank earnings date
Q3 202523 Oct, 2025
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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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