TOWN & COUNTRY BANK

RAVENNA, NE | Small | Est. Jan. 1, 1932, midnight | FDIC #1434 | RSSD #738255 | FED
Latest Report: 2025-12-31

TOWN & COUNTRY BANK is asn small FDIC-insured commercial bank headquartered in RAVENNA, NE, established in Jan. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $237M and total deposits of $189M. Profitability stands at 1.24% ROA and 10.31% ROE, with a net interest margin of 4.35%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.03%. FDIC Certificate #1434.

Assets

$237M

Deposits

$189M

Loans

$160M

Equity

$28M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 10.31%
Net Interest Margin (NIM) 4.35%
Yield on Assets 6.15%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.03%
NPA Ratio 0.00%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.28%
Leverage Ratio 13.36%
Loan-to-Deposit 84.55%

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