Bank Comparison
Exchange Bank and Trust Company vs Town & Country Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 14.52% | — |
| Tier 1 Capital Ratio | 14.52% | — |
| Total Capital Ratio | 15.84% | — |
| Tier 1 Leverage Ratio | 10.69% | 12.69% |
| Equity / Assets | 8.45% | 11.86% |
Profitability
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 1.27% |
| Return on Equity (ROE) | 21.05% | 10.63% |
| Net Interest Margin (NIM) | 4.07% | 4.45% |
| Yield on Earning Assets | 6.24% | 5.13% |
| Cost of Funds | 2.33% | 0.74% |
Asset quality
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| Texas Ratio | 12.46% | 9.07% |
| Non-Performing Loan Ratio | 1.21% | 1.75% |
| Non-Performing Asset Ratio | 0.89% | 1.14% |
| Net Charge-Off Ratio | 0.12% | 0.03% |
| ACL / Loans | 1.29% | 1.07% |
Balance sheet
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| Total Assets | $433,198K | $432,103K |
| Total Deposits | $391,157K | $377,873K |
| Total Loans | $318,073K | $281,962K |
| Total Equity | $36,618K | $51,253K |
| Net Income (quarter) | $1,892K | $1,358K |
Liquidity & funding
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 81.32% | 74.62% |
| Core Deposit Ratio | 89.21% | 98.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Exchange Bank and Trust Company | Town & Country Bank and Trust Company |
|---|---|---|
| Headquarters City | PERRY | BARDSTOWN |
| Headquarters State | OK | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 74 | 87 |
| Established | Feb. 20, 1896, midnight | Sept. 9, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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