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Town & Country Bank

$100M-$1B Specialty: Commercial NV FDIC cert 57312

Las Vegas, NV

5 branches across NV

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 8 in NV.
  • Deposits -5.3% year over year ($169.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.31%.
  • Efficiency ratio 47.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.72% 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 8 in NV
View $100M-$1B leaderboard (NV) →

Town & Country Bank has 4 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

  • + Deposit Franchise: Top 44.6% in tier
  • + Return on Assets 0.99% above tier average
  • + Delinquency Rate 0.92% below tier average
  • + Efficiency Ratio 17.18% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.0% in tier
  • - Capital Constraint: Bottom 65.4% in tier
  • - Non-Interest Income / Assets 0.56% below tier average
Get updates when Town & Country Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $206.9M
-1.3% YoY -8.6% QoQ
-$179.6M $386.6M
+1.2% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $172.8M
+11.8% YoY -1.2% QoQ
-$85.5M $258.3M
+1.7% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $169.9M
-5.3% YoY -13.2% QoQ
-$156.8M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 2.31%
-4.4% YoY +1.5% QoQ
+0.99% 1.32%
+10.8% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
Top 7.0% in tier
Net Interest Margin ? 4.91%
+1.0% YoY +6.7% QoQ
+0.93% 3.99%
+5.0% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
Top 9.5% in tier
Efficiency Ratio ? 47.29%
+0.4% YoY +7.5% QoQ
-17.18% 64.48%
-3.2% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
Top 12.1% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 101.72%
+18.0% YoY +13.8% QoQ
+23.77% 77.95%
+1.0% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ? 35.15%
-27.3% YoY -17.7% QoQ
+13.12% 22.03%
-0.6% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Top 9.7% in tier
Nonperforming Asset Ratio ? 0.56%
+1.4% YoY +9.5% QoQ
-0.11% 0.67%
+16.4% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 14.86%
-4.3% YoY +3.2% QoQ
-1.05% 15.91%
+1.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.01%
-52.9% YoY +36.8% QoQ
-0.56% 0.57%
+7.6% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
Bottom 1.0% 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 (NV) National Avg Tier Percentile
Noninterest-Bearing 35.1%
-13.2pp YoY
-7.5pp QoQ
 +13.0pp 22.1% 25.5% 22.2% 90%
Brokered Deposits 2.8%
+0.6pp YoY
-0.3pp QoQ
 -5.1pp 7.9% 31.0% 8.5% 37%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I 5.3%
-0.4pp YoY
+0.8pp QoQ
 -6.3pp 11.6% 22.5% 12.5% 22%
CRE 88.7%
-0.6pp YoY
-0.7pp QoQ
 +49.1pp 39.5% 68.4% 41.4% 99%
1-4 Family 4.9%
-0.5pp YoY
+0.1pp QoQ
 -27.7pp 32.6% 12.7% 31.3% 5%
Consumer 0.0%
0.0pp YoY
-0.2pp QoQ
 -4.1pp 4.1% 31.5% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 29.4% 19.7% n/a
Leverage Ratio 14.9%
-0.7pp YoY
+0.5pp QoQ
 +2.7pp 12.2% 16.3% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 30.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 23
+1 (+4.5%) YoY
0 QoQ
 -36 58 177 482 15%
Assets per Employee ($) $9.0M
-5.6% YoY
-8.6% QoQ
 +$1.5M $7.5M $17.0M $8.8M 79%
Branch Count 5
0 YoY
0 QoQ
 0 4 2 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 4.66x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 1.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 16.9%
+0.3pp YoY
-0.7pp QoQ
 +4.8pp 12.2% 17.9% 11.6% 77%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
+0.1pp QoQ
 -0.4pp 1.7% 2.0% 1.7% 25%
Net Income ($, YTD) $2.6M
+7.6% YoY
— QoQ
 +$8K $2.6M $65.7M $40.4M 63%

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 (1)

Deposit Franchise

growth
#125 of 278 • Top 44.6% 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: 35.15%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.91%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Deposit Outflow

decline
#17 of 535 • Bottom 3.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Constraint

risk
#71 of 107 • Bottom 65.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 101.72%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.86%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
185
Return on Assets
profitability
Value: 2.31%
Peer Median: 1.32%
#185 of 2643 Top 7.0% in $100M-$1B
252
Net Interest Margin
profitability
Value: 4.91%
Peer Median: 3.99%
#252 of 2643 Top 9.5% in $100M-$1B
257
Non-Interest-Bearing Deposit Share
funding
Value: 35.15%
Peer Median: 22.03%
#257 of 2643 Top 9.7% in $100M-$1B
320
Efficiency Ratio
profitability
Value: 47.29%
Peer Median: 64.48%
#320 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (2 metrics)

2618
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2618 of 2643 Bottom 1.0% in $100M-$1B
2432
Loan-to-Deposit Ratio
liquidity
Value: 101.72%
Peer Median: 77.95%
#2432 of 2643 Bottom 8.0% in $100M-$1B
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