Town Center Bank
BankRegReports is independent of Town Center Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Town Center Bank is an FDIC-insured commercial bank headquartered in Frankfort, IL, established in 2006 (FDIC certificate 58214), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $180.6M, up 11.2% from Q2 2025, the 212th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.24% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58214
- Headquarters
- Frankfort, IL
- Established
- 2006
- Total assets, Q2 2026
- $180.6M
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 12.24%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071926634
- Latest call report
- Q2 2026, FFIEC 051 · Town Center Bank call report
- Holding company
- TC FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 212th of 319 in Illinois
Town Center Bank spends more to run itself than most banks of its size. The Frankfort, Illinois bank had $181 million in assets at June 30, 2026, up 11.2% from a year earlier. It loses about $0.19 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds commercial real estate loans worth 2.9 times its capital, 2.5 times the median of 1.2 times for banks its size.
It lost $84,000 in the quarter. Delinquency has appeared in its $17 million multifamily book: 5.38% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Town Center Bank reported a CET1 capital ratio of 12.24%, a return on assets of -0.19%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 10.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Town Center Bank is the 212th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $180.6M, loans rose 5.7% and deposits rose 4.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.6% of total loans, followed by commercial and industrial loans at 21.8%. Its 2 offices in the FDIC Summary of Deposits are in New Lenox, IL and Frankfort, IL; its New Lenox office books 54% of its branch deposits. On its Q2 2026 call report, Town Center Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20181 S Lagrange Rd, Frankfort, IL 60423
- County
- Will
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 18, 2006
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $138.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $621K
- Average total assets
- $177.3M
- Average total loans
- $137.5M
- Average interest-bearing deposits
- $102.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 2006
- FDIC Cert
- 58214
- Fed RSSD
- 3459216
- Website
- www.towncenterbank.net →
- Parent Holding Company
- TC FINANCIAL HOLDINGS, INC. (RSSD 5678235)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Town Center Bank's total assets ran between $137.6M (Q3 2023) and $180.6M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$180.6M total assets against $162.4M; $160.2M total liabilities against $143.0M.
$140.6M net loans and leases against $124.1M; $138.3M total deposits against $121.3M.
$14.8M securities against $20.8M; $19.0M cash and balances due against $13.7M.
$2.7M total interest income against $2.5M; $915K total interest expense against $908K.
$1.7M net interest income against $1.6M.
$146K total noninterest income against $127K; $1.4M total noninterest expense against $1.2M.
$648K provision for credit losses against $12K.
-$84K net income against $343K.
-0.19% return on assets against 0.82%; 4.01% net interest margin against 3.82%.
12.24% CET1 capital ratio against 13.46%; 11.38% tier 1 leverage ratio against 11.39%.
Inside the full Town Center Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Town Center Bank rankings
Its closest position to the top of a national ranking is 558 of 3,640, for Texas Ratio; its furthest is 3,524 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.19% (Q2 2026) to 1.05% (Q4 2025) and its net interest margin ran from 3.64% (Q1 2025) to 4.26% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | -0.19% | 0.00% | 10.93% | 4.01% |
| Q1 2026 | 13.01% | 0.69% | 2.23% | 13.62% | 3.81% |
| Q4 2025 | 13.30% | 1.05% | 2.27% | 13.78% | 4.10% |
| Q3 2025 | 13.27% | 1.04% | 2.36% | 14.20% | 4.09% |
| Q2 2025 | 13.46% | 0.82% | 0.00% | 0.00% | 3.82% |
| Q1 2025 | 14.10% | 0.78% | 0.00% | 0.00% | 3.64% |
| Q4 2024 | 13.46% | 1.02% | 0.00% | 0.00% | 4.10% |
| Q3 2024 | 13.16% | 0.96% | 0.00% | 0.00% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| New Lenox Branch | New Lenox , IL | 60451 | $74.2M |
| Town Center Bank (main office) | Frankfort , IL | 60423 | $64.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 261 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Town Center Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Town Center Bank
What are Town Center Bank's total assets?
As of the Q2 2026 filing, Town Center Bank reported total assets of $180.6 million in its FFIEC call report.
Where is Town Center Bank headquartered?
It is headquartered in Frankfort, IL, United States.
When was Town Center Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Town Center Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Town Center Bank?
Town Center Bank's primary federal regulator is the FDIC.
What is Town Center Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does Town Center Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Town Center Bank's Texas Ratio?
Its Texas Ratio is 10.93% 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.
Go deeper on Town Center Bank.
Get an email when Town Center Bank files its next call report, and benchmark it against any peer you choose.
Unlock Town Center Bank, freeFree account