Bank Comparison
Town & Country Bank vs Flagship Bank
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 | Town & Country Bank | Flagship Bank |
|---|---|---|
| CET1 Ratio | 19.63% | — |
| Tier 1 Capital Ratio | 19.63% | — |
| Total Capital Ratio | 20.88% | — |
| Tier 1 Leverage Ratio | 12.27% | 11.96% |
| Equity / Assets | 10.46% | 12.58% |
Profitability
| Metric | Town & Country Bank | Flagship Bank |
|---|---|---|
| Return on Assets (ROA) | 2.79% | 0.95% |
| Return on Equity (ROE) | 26.74% | 7.33% |
| Net Interest Margin (NIM) | 4.04% | 3.42% |
| Yield on Earning Assets | 5.31% | 5.36% |
| Cost of Funds | 1.41% | 2.12% |
Asset quality
| Metric | Town & Country Bank | Flagship Bank |
|---|---|---|
| Texas Ratio | 2.51% | 0.90% |
| Non-Performing Loan Ratio | 0.39% | 0.14% |
| Non-Performing Asset Ratio | 0.27% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.33% | 1.00% |
Balance sheet
| Metric | Town & Country Bank | Flagship Bank |
|---|---|---|
| Total Assets | $760,801K | $761,702K |
| Total Deposits | $656,996K | $660,920K |
| Total Loans | $493,551K | $585,360K |
| Total Equity | $79,566K | $95,833K |
| Net Income (quarter) | $5,222K | $1,739K |
Liquidity & funding
| Metric | Town & Country Bank | Flagship Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.12% | 88.57% |
| Core Deposit Ratio | 95.45% | 90.45% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Town & Country Bank | Flagship Bank |
|---|---|---|
| Headquarters City | SALEM | CLEARWATER |
| Headquarters State | MO | FL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 7 |
| Employees (FTE) | 142 | 78 |
| Established | Jan. 1, 1894, midnight | Jan. 23, 2006, 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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