Bank Comparison
Town & Country Bank vs Wilmington Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| CET1 Ratio | 19.63% | 273.94% |
| Tier 1 Capital Ratio | 19.63% | 273.94% |
| Total Capital Ratio | 20.88% | 274.08% |
| Tier 1 Leverage Ratio | 12.27% | 86.88% |
| Equity / Assets | 10.46% | 88.62% |
Profitability
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.79% | 0.16% |
| Return on Equity (ROE) | 26.74% | 0.18% |
| Net Interest Margin (NIM) | 4.04% | 5.62% |
| Yield on Earning Assets | 5.31% | 5.66% |
| Cost of Funds | 1.41% | 0.24% |
Asset quality
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| Texas Ratio | 2.51% | 0.25% |
| Non-Performing Loan Ratio | 0.39% | 6.58% |
| Non-Performing Asset Ratio | 0.27% | 0.22% |
| Net Charge-Off Ratio | 0.00% | -0.44% |
| ACL / Loans | 1.33% | 1.38% |
Balance sheet
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| Total Assets | $760,801K | $759,503K |
| Total Deposits | $656,996K | $4,991K |
| Total Loans | $493,551K | $25,350K |
| Total Equity | $79,566K | $673,101K |
| Net Income (quarter) | $5,222K | $302 |
Liquidity & funding
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 75.12% | 507.91% |
| Core Deposit Ratio | 95.45% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Town & Country Bank | Wilmington Trust, N.A. |
|---|---|---|
| Headquarters City | SALEM | WILMINGTON |
| Headquarters State | MO | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 22859 |
| Regulator | FED | OCC |
| Domestic Branches | 10 | 43 |
| Employees (FTE) | 142 | 909 |
| Established | Jan. 1, 1894, midnight | Oct. 2, 1995, 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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