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Town & Country Bank and Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 15703

Bardstown, KY

5 branches across KY

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 88 in KY.
  • Deposits +3.6% year over year ($378.0M on the books).
  • Delinquency rate 0.43%.
  • Return on assets 1.47%.
  • Efficiency ratio 60.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.83% 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 88 in KY
View $100M-$1B leaderboard (KY) →

Town & Country Bank and Trust Company has 5 strengths but faces 2 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

  • + Revenue Diversifier: Top 36.5% in tier
  • + Deposit Franchise: Top 72.7% in tier
  • + ROA 0.15% above tier average
  • + Efficiency Ratio 3.90% below tier average
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 19.1% in tier
  • - Credit Quality Pressure: Bottom 35.7% in tier
Get updates when Town & Country Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $433.7M
+4.5% YoY +0.4% QoQ
+$47.1M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $282.9M
+4.0% YoY +1.4% QoQ
+$24.5M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $378.0M
+3.6% YoY +0.0% QoQ
+$51.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.47%
+0.3% YoY +15.5% QoQ
+0.15% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 4.59%
+9.5% YoY +3.3% QoQ
+0.60% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 60.58%
-5.4% YoY -1.8% QoQ
-3.90% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.43%
+85.7% YoY +2.3% QoQ
-0.49% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 74.83%
+0.3% YoY +1.4% QoQ
-3.12% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 34.27%
-1.9% YoY +2.3% QoQ
+12.24% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 10.5% in tier
Nonperforming Asset Ratio ? 0.28%
+84.8% YoY +3.4% QoQ
-0.39% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 12.75%
+2.5% YoY +0.4% QoQ
-3.16% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.56%
+6.1% YoY +105.1% QoQ
+0.00% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 7.5% 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 (KY) National Avg Tier Percentile
Noninterest-Bearing 34.3%
-0.7pp YoY
+0.8pp QoQ
 +12.1pp 22.1% 23.5% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 7.7%
-0.7pp YoY
0.0pp QoQ
 -3.8pp 11.6% 8.6% 12.5% 38%
CRE 49.8%
+1.1pp YoY
+0.4pp QoQ
 +10.2pp 39.5% 37.1% 41.4% 70%
1-4 Family 39.3%
-0.8pp YoY
-0.2pp QoQ
 +6.7pp 32.6% 41.6% 31.3% 69%
Consumer 1.7%
+0.6pp YoY
0.0pp QoQ
 -2.4pp 4.1% 4.8% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 12.7%
+0.3pp YoY
+0.1pp QoQ
 +0.6pp 12.2% 14.0% 12.6% 73%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 87
+5 (+6.1%) YoY
0 QoQ
 +28 58 105 482 81%
Assets per Employee ($) $5.0M
-1.5% YoY
+0.4% QoQ
 -$2.5M $7.5M $6.3M $8.8M 15%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.4%
0.0pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 48%
Allowance Coverage 2.52x
-43.6% YoY
-2.6% QoQ
 -21.64x 24.15x 7.45x 20.23x 54%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 12.2%
-1.1pp YoY
+1.6pp QoQ
 0.0pp 12.2% 13.3% 11.6% 51%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.7% 1.7% 4%
Net Income ($, YTD) $3.2M
+2.3% YoY
— QoQ
 +$599K $2.6M $5.1M $40.4M 72%

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
#242 of 661 • Top 36.5% 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: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.47%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#203 of 278 • Top 72.7% 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: 34.27%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.59%
(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 (2)

Credit Risk Growth

risk
#180 of 936 • Bottom 19.1% 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 | QoQ rank declining

Credit Quality Pressure

risk
#449 of 1256 • Bottom 35.7% in tier

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

Why this signature
Delinquency Rate: 0.43%
(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 (3 metrics)

200
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#200 of 2643 Top 7.5% in $100M-$1B
279
Non-Interest-Bearing Deposit Share
funding
Value: 34.27%
Peer Median: 22.03%
#279 of 2643 Top 10.5% in $100M-$1B
463
Net Interest Margin
profitability
Value: 4.59%
Peer Median: 3.99%
#463 of 2643 Top 17.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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