TOWN & COUNTRY BANK AND TRUST COMPANY

BARDSTOWN, KY | Small | Est. Sept. 9, 1907, midnight | FDIC #15703 | RSSD #692946 | FDIC
Latest Report: 2025-12-31

TOWN & COUNTRY BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in BARDSTOWN, KY, established in Sept. 9, 1907, midnight. As of 2025-12-31, the bank reported total assets of $422M and total deposits of $369M. Profitability stands at 1.40% ROA and 11.67% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 12.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15703.

Assets

$422M

Deposits

$369M

Loans

$278M

Equity

$51M

Profitability

Return on Assets (ROA) 1.40%
Return on Equity (ROE) 11.67%
Net Interest Margin (NIM) 4.63%
Yield on Assets 5.36%
Cost of Funds 0.77%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.07%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 12.08%
Tier 1 Capital 12.08%
Total Capital Ratio 12.68%
Leverage Ratio 12.69%
Loan-to-Deposit 75.31%

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