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Town & Country Bank

$100M-$1B Specialty: Other MO FDIC cert 13071

Salem, MO

10 branches across 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 140 in MO.
  • Deposits -0.4% year over year ($642.2M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 2.53%.
  • Efficiency ratio 51.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.29% 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 140 in MO
View $100M-$1B leaderboard (MO) →

Town & Country Bank has 5 strengths but faces 3 concerns

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

  • + Profitability Leader: Top 6.8% in tier
  • + Revenue Diversifier: Top 9.8% in tier
  • + Net Interest Margin 0.29% above tier average
  • + Efficiency Ratio 12.60% below tier average
  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 19.9% in tier
  • - Credit Quality Pressure: Bottom 23.2% in tier
  • - Liquidity Overhang: Bottom 44.1% in tier
Get updates when Town & Country Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $747.7M
+0.3% YoY -1.7% QoQ
+$361.2M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 10.3% in tier
Total Loans ? $496.4M
+5.5% YoY +1.9% QoQ
+$238.1M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 11.6% in tier
Total Deposits ? $642.2M
-0.4% YoY -2.2% QoQ
+$315.5M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 9.9% in tier
Return on Assets ? 2.53%
+32.0% YoY -10.2% QoQ
+1.21% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 4.5% in tier
Net Interest Margin ? 4.27%
+8.0% YoY +1.6% QoQ
+0.29% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 51.88%
-9.2% YoY -0.4% QoQ
-12.60% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.36%
+31.8% YoY -6.2% QoQ
-0.56% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 77.29%
+5.9% YoY +4.3% QoQ
-0.66% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 26.41%
-2.1% YoY -0.2% QoQ
+4.38% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.24%
+26.8% YoY -8.9% QoQ
-0.43% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 19.40%
+3.7% YoY -1.2% QoQ
+3.49% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.67%
+71.3% YoY +44.8% QoQ
+0.11% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 6.0% 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 (MO) National Avg Tier Percentile
Noninterest-Bearing 26.4%
-0.6pp YoY
-0.1pp QoQ
 +4.3pp 22.1% 20.9% 22.2% 71%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 4.6%
+0.4pp YoY
+0.2pp QoQ
 -7.0pp 11.6% 12.3% 12.5% 17%
CRE 22.9%
-0.6pp YoY
+0.2pp QoQ
 -16.6pp 39.5% 36.8% 41.4% 23%
1-4 Family 45.6%
+0.2pp YoY
-0.2pp QoQ
 +13.0pp 32.6% 31.9% 31.3% 78%
Consumer 2.7%
-0.6pp YoY
-0.1pp QoQ
 -1.4pp 4.1% 4.1% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 19.4%
+0.7pp YoY
-0.2pp QoQ
 +0.6pp 18.8% 18.5% 19.7% 75%
Leverage Ratio 12.4%
+1.0pp YoY
+0.1pp QoQ
 +0.2pp 12.2% 11.6% 12.6% 68%
Total Capital Ratio 20.7%
+0.7pp YoY
-0.2pp QoQ
 +0.7pp 19.9% 19.6% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 143
+7 (+5.1%) YoY
+1 (+0.7%) QoQ
 +84 58 162 482 97%
Assets per Employee ($) $5.2M
-4.6% YoY
-2.4% QoQ
 -$2.3M $7.5M $8.0M $8.8M 18%
Branch Count 10
0 YoY
0 QoQ
 +5 4 10 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 6%
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 43%
Allowance Coverage 3.81x
-20.6% YoY
+8.3% QoQ
 -20.34x 24.15x 10.47x 20.23x 64%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 23.8%
+2.9pp YoY
-3.0pp QoQ
 +11.6pp 12.2% 14.3% 11.6% 95%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 25%
Net Income ($, YTD) $9.4M
+34.4% YoY
— QoQ
 +$6.9M $2.6M $11.3M $40.4M 98%

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)

Profitability Leader

growth
#46 of 661 • Top 6.8% in tier

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

Why this signature
Return on Assets: 2.53%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#66 of 661 • Top 9.8% 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: 0.67%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.53%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#187 of 936 • Bottom 19.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#293 of 1256 • Bottom 23.2% in tier

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

Why this signature
Delinquency Rate: 0.36%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Overhang

risk
#328 of 742 • Bottom 44.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.40%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.29%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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 (7 metrics)

120
Return on Assets
profitability
Value: 2.53%
Peer Median: 1.32%
#120 of 2643 Top 4.5% in $100M-$1B
160
Non-Interest Income / Assets
revenue_mix
Value: 0.67%
Peer Median: 0.57%
#160 of 2643 Top 6.0% in $100M-$1B
262
Total Deposits
size
Value: $642.23M
Peer Median: $326.73M
#262 of 2643 Top 9.9% in $100M-$1B
272
Total Assets
size
Value: $747.73M
Peer Median: $386.57M
#272 of 2643 Top 10.3% in $100M-$1B
308
Total Loans
size
Value: $496.40M
Peer Median: $258.35M
#308 of 2643 Top 11.6% in $100M-$1B
401
Tier 1 Capital Ratio
capital
Value: 19.40%
Peer Median: 15.91%
#401 of 2643 Top 15.1% in $100M-$1B
546
Efficiency Ratio
profitability
Value: 51.88%
Peer Median: 64.48%
#546 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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