Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
15th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 1, 2026
Call-report figures are for TowneBank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | TowneBank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.0% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (15th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $4.5M in Q2 2026, 33% above the same quarter a year earlier ($3.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for TowneBank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $4.5M | +$159K | +3.7% |
| Q1 2026 | $4.3M | +$65K | +1.5% |
| Q4 2025 | $4.3M | +$565K | +15.2% |
| Q3 2025 | $3.7M | +$330K | +9.8% |
| Q2 2025 | $3.4M | +$204K | +6.4% |
| Q1 2025 | $3.2M | +$56K | +1.8% |
| Q4 2024 | $3.1M | +$201K | +6.9% |
| Q3 2024 | $2.9M | −$270K | −8.5% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, TowneBank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to TowneBank by share.
They stay out of every comparison until review is done.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Link your checking account to a line of credit. In the event of an overdraft, funds will be transferred in (audience not stated, treated as personal) | $100 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where TowneBank operates, and what regulators and customers have on file.
Branch footprint
81 offices in 4 states, $18.8B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 35 | $11.2B | |
| 15 | $2.2B | |
| 5 | $2.1B | |
| 5 | $1.3B | |
| Outside a metro area | 10 | $935.9M |
| 2 | $359.8M | |
| 1 | $231.1M | |
| 1 | $161.6M |
Virginia Beach-Chesapeake-Norfolk, VA-NC
35.9% of bank deposits, #1 of 22, up 8.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 16.7% |
| Wells Fargo Bank, National Association | 15.6% |
| Bank of America, National Association | 13% |
| Atlantic Union Bank | 4.6% |
| Chesapeake Bank | 2.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Virginia Beach-Chesapeake-Norfolk, VA-NC, TowneBank holds 35.9% of bank deposits, #1 of 22, with 35 offices.
367 offices of 46 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 22 institutions shown. $31.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 35.9% share, 35 offices, #1 of 22
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
159 offices of 26 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
13 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 4 |
| Incorrect information on your report | 2 |
| Problem with a lender or other company charging your account | 2 |
| Problem when making payments | 1 |
| Getting the loan | 1 |
| Trouble during payment process | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows