TOWN CENTER BANK

FRANKFORT, IL | Small | Est. Sept. 18, 2006, midnight | FDIC #58214 | RSSD #3459216 | FDIC
Latest Report: 2025-12-31

TOWN CENTER BANK is asn small FDIC-insured commercial bank headquartered in FRANKFORT, IL, established in Sept. 18, 2006, midnight. As of 2025-12-31, the bank reported total assets of $179M and total deposits of $134M. Profitability stands at 1.04% ROA and 9.02% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 13.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.27% and a Texas Ratio of 13.78%. FDIC Certificate #58214.

Assets

$179M

Deposits

$134M

Loans

$132M

Equity

$20M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 9.02%
Net Interest Margin (NIM) 4.32%
Yield on Assets 6.49%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 2.27%
Net Charge-Off Ratio 0.04%
Texas Ratio 13.78%
NPA Ratio 1.67%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 13.30%
Tier 1 Capital 13.30%
Total Capital Ratio 14.27%
Leverage Ratio 11.54%
Loan-to-Deposit 98.45%

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