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Town & Country Bank Midwest

$100M-$1B Specialty: Commercial IL FDIC cert 10460

Quincy, IL

6 branches across IL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +29.3% year over year ($237.0M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 3.19%.
  • Efficiency ratio 40.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Town & Country Bank Midwest has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 23.3% in tier
  • + Deposit Franchise: Top 51.4% in tier
  • + Return on Assets 1.86% above tier average
  • + Efficiency Ratio 23.85% below tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.6% in tier
Get updates when Town & Country Bank Midwest releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $279.3M
+29.9% YoY -2.6% QoQ
-$107.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $205.0M
+22.2% YoY +3.3% QoQ
-$53.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $237.0M
+29.3% YoY -3.0% QoQ
-$89.7M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 3.19%
-5.2% YoY -3.0% QoQ
+1.86% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 1.6% in tier
Net Interest Margin ? 5.20%
-4.6% YoY +2.0% QoQ
+1.21% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 5.4% in tier
Efficiency Ratio ? 40.63%
-0.2% YoY -3.7% QoQ
-23.85% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 4.5% in tier
Delinquency Rate ? 0.15%
+32.8% YoY -45.5% QoQ
-0.77% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 86.47%
-5.5% YoY +6.5% QoQ
+8.52% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 30.33%
-11.2% YoY +0.4% QoQ
+8.30% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.93%
-22.4% YoY -6.1% QoQ
+0.26% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 14.89%
+9.0% YoY +2.1% QoQ
-1.02% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.42%
-11.6% YoY +100.3% QoQ
-0.15% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 13.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 30.3%
-3.8pp YoY
+0.1pp QoQ
 +8.2pp 22.1% 20.1% 22.2% 83%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 28.3%
-0.3pp YoY
+0.1pp QoQ
 +16.7pp 11.6% 14.7% 12.5% 95%
CRE 31.4%
-5.9pp YoY
-0.9pp QoQ
 -8.2pp 39.5% 37.9% 41.4% 37%
1-4 Family 23.4%
+3.5pp YoY
+0.5pp QoQ
 -9.2pp 32.6% 28.3% 31.3% 38%
Consumer 2.0%
+0.6pp YoY
0.0pp QoQ
 -2.2pp 4.1% 5.4% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 14.9%
+1.2pp YoY
+0.3pp QoQ
 +2.7pp 12.2% 12.2% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 47
+7 (+17.5%) YoY
0 QoQ
 -12 58 228 482 49%
Assets per Employee ($) $5.9M
+10.6% YoY
-2.6% QoQ
 -$1.6M $7.5M $8.3M $8.8M 32%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 59%
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage 8.92x
-24.9% YoY
+77.7% QoQ
 -15.23x 24.15x 5.62x 20.23x 80%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.3pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 22.0%
-4.1pp YoY
-1.0pp QoQ
 +9.8pp 12.2% 10.5% 11.6% 92%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 11%
Net Income ($, YTD) $4.5M
+22.1% YoY
— QoQ
 +$2.0M $2.6M $11.7M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#155 of 661 • Top 23.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.42%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 3.19%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#144 of 278 • Top 51.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.33%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.20%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#147 of 1256 • Bottom 11.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

43
Return on Assets
profitability
Value: 3.19%
Peer Median: 1.32%
#43 of 2643 Top 1.6% in $100M-$1B
121
Efficiency Ratio
profitability
Value: 40.63%
Peer Median: 64.48%
#121 of 2643 Top 4.5% in $100M-$1B
145
Net Interest Margin
profitability
Value: 5.20%
Peer Median: 3.99%
#145 of 2643 Top 5.4% in $100M-$1B
348
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#348 of 2643 Top 13.1% in $100M-$1B
453
Non-Interest-Bearing Deposit Share
funding
Value: 30.33%
Peer Median: 22.03%
#453 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (1 metrics)

2057
Nonperforming Asset Ratio
credit_quality
Value: 0.93%
Peer Median: 0.67%
#2057 of 2643 Bottom 22.2% in $100M-$1B
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