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Town & Country Bank Midwest

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

Quincy, IL

6 branches across IL · MO

2664 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 23.4% in tier
  • + Profitability Leader: Top 36.3% in tier
  • + Deposit Franchise: Top 56.2% in tier
  • + Efficiency Ratio 23.11% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 37.1% in tier
Get updates when Town & Country Bank Midwest releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $286.6M
+29.1% YoY +1.0% QoQ
-$99.4M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $198.4M
+21.3% YoY +1.1% QoQ
-$57.3M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
48%
Total Deposits ? $244.4M
+26.6% YoY +0.5% QoQ
-$83.6M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
43%
Return on Assets ? 3.28%
+3.9% YoY +8.1% QoQ
+2.01% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
Top 1.4% in tier
Net Interest Margin ? 5.10%
-4.0% YoY -1.3% QoQ
+1.17% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Top 6.0% in tier
Efficiency Ratio ? 42.18%
-3.6% YoY -7.2% QoQ
-23.11% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
Top 6.0% in tier
Delinquency Rate ? 0.28%
+142.2% QoQ
-0.61% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 81.19%
-4.2% YoY +0.6% QoQ
+4.55% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
44%
Non-Interest-Bearing Deposit Share ? 30.19%
-9.2% YoY -2.6% QoQ
+8.17% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
82%
Nonperforming Asset Ratio ? 0.99%
-7.9% YoY +11.8% QoQ
+0.35% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
20%
Tier 1 Capital Ratio ? 14.58%
+10.4% YoY +1.4% QoQ
-1.25% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.21%
-10.0% YoY -75.9% QoQ
-0.07% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
Top 12.5% in tier

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 (3)

Revenue Diversifier

growth
#157 of 666 • Top 23.4% 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: 0.21%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 3.28%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Profitability Leader

growth
#243 of 666 • Top 36.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.28%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#154 of 272 • Top 56.2% 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: 30.19%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.10%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#486 of 1308 • Bottom 37.1% in tier

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

Why this signature
Delinquency Rate: 0.28%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

38
Return on Assets
profitability
Value: 3.28%
Peer Median: 1.27%
#38 of 2664 Top 1.4% in $100M-$1B
160
Net Interest Margin
profitability
Value: 5.10%
Peer Median: 3.93%
#160 of 2664 Top 6.0% in $100M-$1B
160
Efficiency Ratio
profitability
Value: 42.18%
Peer Median: 65.29%
#160 of 2664 Top 6.0% in $100M-$1B
334
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#334 of 2664 Top 12.5% in $100M-$1B
468
Non-Interest-Bearing Deposit Share
funding
Value: 30.19%
Peer Median: 22.02%
#468 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (1 metrics)

2136
Nonperforming Asset Ratio
credit_quality
Value: 0.99%
Peer Median: 0.64%
#2136 of 2664 Bottom 19.9% in $100M-$1B
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