Town and Country Bank Midwest
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Data as of · sourced from FFIEC call reports. How we update
Town and Country Bank Midwest is an FDIC-insured commercial bank headquartered in Quincy, IL, established in 1910 (FDIC certificate 10460), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $279.3M, up 29.9% from Q2 2025, the 160th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10460
- Headquarters
- Quincy, IL
- Established
- 1910
- Total assets, Q2 2026
- $279.3M
- Assets vs Q2 2025
- +29.9%
- Tier 1 leverage ratio, Q2 2026
- 14.89%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081200573
- Latest call report
- Q2 2026, FFIEC 051 · Town and Country Bank Midwest Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- T & C BANCORP, INC.
- Asset rank in state
- 160th of 319 in Illinois
Town and Country Bank Midwest is one of the more profitable banks of its size. It reported $279 million in assets at June 30, 2026, up 29.9% from a year earlier. It earns about $3.07 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 12% from a year earlier, to $2.2 million. Over the same year, loans grew 22.2% and deposits grew 29.3%.
As of June 30, 2026, Town and Country Bank Midwest reported a return on assets of 3.07%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 5.82%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Town and Country Bank Midwest is the 160th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $279.3M, loans rose 3.3% and deposits fell 3.0%. Commercial and industrial loans made up 27.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.1%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Quincy 2 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Town and Country Bank Midwest meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 524 N 30th St, Quincy, IL 62301
- County
- Adams
- Metro Area
- Quincy, IL-MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Town & Country Bank Midwest (2013); Town and Country Bank of Quincy (2006-2013); South Side Bank of Quincy (1973)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $237.0M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $328K
- Average total assets
- $282.4M
- Average total loans
- $205.8M
- Average interest-bearing deposits
- $166.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10460
- Fed RSSD
- 349343
- Website
- www.tcbankmidwest.com →
- Parent Holding Company
- T & C BANCORP, INC. (RSSD 1095816)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Town and Country Bank Midwest reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Town and Country Bank Midwest's total assets ran between $206.3M (Q3 2023) and $286.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$279.3M total assets against $215.0M; $237.5M total liabilities against $185.7M.
$205.0M net loans and leases against $167.7M; $237.0M total deposits against $183.3M.
$25.3M securities against $21.8M; $41.0M cash and balances due against $18.3M.
$4.2M total interest income against $3.4M; $688K total interest expense against $547K.
$3.5M net interest income against $2.8M.
$572K total noninterest income against $505K; $1.6M total noninterest expense against $1.3M.
$325K provision for credit losses against $125K.
$2.2M net income against $1.9M.
3.07% return on assets against 3.57%; 5.21% net interest margin against 5.52%.
14.89% tier 1 leverage ratio against 13.66%.
Inside the full Town and Country Bank Midwest terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTown and Country Bank Midwest rankings
Its closest position to the top of a national ranking is 67 of 3,611, for ROA; its furthest is 2,560 of 4,196, for total assets.
Banks merged into Town and Country Bank Midwest
- The Hill-Dodge Banking Company, effective November 8, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q4 2024) to 4.10% (Q4 2025) and its net interest margin ran from 5.05% (Q1 2026) to 8.40% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.89% | 3.07% | 0.15% | 5.82% | 5.21% |
| Q1 2026 | 14.58% | 3.28% | 0.27% | 6.41% | 5.05% |
| Q4 2025 | 14.38% | 4.10% | 0.11% | 5.86% | 8.40% |
| Q3 2025 | 14.15% | 3.53% | 0.05% | 7.48% | 5.59% |
| Q2 2025 | 13.66% | 3.57% | 0.11% | 8.15% | 5.52% |
| Q1 2025 | 13.20% | 3.19% | 0.00% | 7.75% | 5.27% |
| Q4 2024 | 13.07% | 1.27% | 0.00% | 8.16% | 5.32% |
| Q3 2024 | 13.63% | 2.96% | 0.23% | 10.99% | 5.23% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Town & Country Bank Midwest | Quincy , IL | 62301 | $127.6M |
| Warsaw Branch | Warsaw , IL | 62379 | $50.0M |
| The State Bank of Lima Branch | Lima , IL | 62348 | $20.9M |
| Town & Country Bank Midwest Branch | La Belle , MO | 63447 | $20.6M |
| Town & Country Bank Midwest - Lagrange, Mo Branch | La Grange , MO | 63448 | $18.0M |
| Harrison St. Branch | Quincy , IL | 62301 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 8, 2025 | Structure Change | Acquired The Hill-Dodge Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 4, 2015 | Structure Change | Acquired The State Bank of Lima Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Structure Change | Acquired Town & Country Bank of Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 210 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $62K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Town and Country Bank Midwest
What are Town and Country Bank Midwest's total assets?
As of the Q2 2026 filing, Town and Country Bank Midwest reported total assets of $279.3 million in its FFIEC call report.
Where is Town and Country Bank Midwest headquartered?
It is headquartered in Quincy, IL, United States.
When was Town and Country Bank Midwest founded?
It was established in 1910, per the FDIC institution directory.
Is Town and Country Bank Midwest FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Town and Country Bank Midwest?
Town and Country Bank Midwest's primary federal regulator is the FDIC.
How many branches does Town and Country Bank Midwest operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Town and Country Bank Midwest's Texas Ratio?
Its Texas Ratio is 5.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Town and Country Bank Midwest previously called?
The charter now named Town and Country Bank Midwest has also operated as Town & Country Bank Midwest (2013), Town and Country Bank of Quincy (2006-2013), South Side Bank of Quincy (1973), per FDIC structure-change records.
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