BlastPoint's Banking Scorecard

Town & Country Bank

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

Salem, MO

10 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Town & Country Bank 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 0.3% in tier
+ Profitability Leader: Top 0.5% in tier
+ Net Interest Margin 0.28% above tier average
+ Efficiency Ratio 13.22% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 46.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$760.8M +2.8% YoY +5.4% QoQ	+$374.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 10.1% in tier
Total Loans ?	$487.0M +4.4% YoY +0.0% QoQ	+$231.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 12.3% in tier
Total Deposits ?	$657.0M +2.8% YoY +5.4% QoQ	+$329.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 9.2% in tier
Return on Assets ?	2.82% +62.2% YoY +42.7% QoQ	+1.55%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 2.8% in tier
Net Interest Margin ?	4.21% +9.7% YoY +2.2% QoQ	+0.28%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	52.07% -12.0% YoY -7.1% QoQ	-13.22%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.38% -9.1% YoY +10.4% QoQ	-0.50%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	74.12% +1.5% YoY -5.1% QoQ	-2.52%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	26.46% +3.2% YoY +5.0% QoQ	+4.44%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.26% -3.7% YoY +12.0% QoQ	-0.38%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	19.63% +5.3% YoY +5.3% QoQ	+3.80%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 14.2% in tier
Non-Interest Income / Assets ?	0.46% +149.9% YoY -42.6% QoQ	+0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 3.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#3 of 666 • Top 0.3% 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: 0.46%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.82%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#4 of 666 • Top 0.5% in tier

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

Why this signature

Return on Assets: 2.82%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#344 of 739 • Bottom 46.4% 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: 19.63%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 74.12%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 2.82%

Peer Median: 1.27%

#76 of 2664 Top 2.8% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.28%

#97 of 2664 Top 3.6% in $100M-$1B

247

Total Deposits

size

Value: $657.00M

Peer Median: $327.97M

#247 of 2664 Top 9.2% in $100M-$1B

271

Total Assets

size

Value: $760.80M

Peer Median: $386.08M

#271 of 2664 Top 10.1% in $100M-$1B

328

Total Loans

size

Value: $486.98M

Peer Median: $255.72M

#328 of 2664 Top 12.3% in $100M-$1B

380

Tier 1 Capital Ratio

capital

Value: 19.63%

Peer Median: 15.83%

#380 of 2664 Top 14.2% in $100M-$1B

528

Efficiency Ratio

profitability

Value: 52.07%

Peer Median: 65.29%

#528 of 2664 Top 19.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available