TOWN & COUNTRY BANK

SALEM, MO | Medium | Est. Jan. 1, 1894, midnight | FDIC #13071 | RSSD #487357 | FED
Latest Report: 2025-12-31

TOWN & COUNTRY BANK is amn medium FDIC-insured commercial bank headquartered in SALEM, MO, established in Jan. 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $722M and total deposits of $623M. Profitability stands at 1.97% ROA and 19.18% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 18.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.03%. FDIC Certificate #13071.

Assets

$722M

Deposits

$623M

Loans

$493M

Equity

$77M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 19.18%
Net Interest Margin (NIM) 4.39%
Yield on Assets 5.80%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.03%
NPA Ratio 0.23%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 18.63%
Tier 1 Capital 18.63%
Total Capital Ratio 19.88%
Leverage Ratio 12.02%
Loan-to-Deposit 79.17%

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