Town & Country Bank (Las Vegas, NV)
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Data as of · sourced from FFIEC call reports. How we update
Town & Country Bank is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 2002 (FDIC certificate 57312), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $206.9M, down 1.3% from Q2 2025, the 13th largest of 14 banks headquartered in Nevada. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.86% 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
- 57312
- Headquarters
- Las Vegas, NV
- Established
- 2002
- Total assets, Q2 2026
- $206.9M
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 14.86%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 122402191
- Latest call report
- Q2 2026, FFIEC 051 · Town & Country Bank call report
- Holding company
- WEST POINT BANCORP, INC.
- Asset rank in state
- 13th of 14 in Nevada
Town & Country Bank is one of the more profitable banks of its size. Its balance sheet stood at $207 million at June 30, 2026, down 1.3% from a year earlier; it is based in Las Vegas, Nevada. It earns about $2.31 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.08 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 11.7% and deposits fell 5.3%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.74%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Town & Country Bank reported a return on assets of 2.31%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 3.43%. The figures come from its call report filed with the FFIEC.
Town & Country Bank ranks as the 13th largest of the 14 banks based in Nevada, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 8.6% to $206.9M, loans fell 1.2% and deposits fell 13.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 55.5% of total loans, ahead of owner-occupied commercial real estate loans at 12.7%. The FDIC Summary of Deposits lists 4 offices for it, in Las Vegas, NV. Judged on its Q2 2026 call report, Town & Country Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8620 W Tropicana Ave, Las Vegas, NV 89147
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 2002
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $169.9M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $217.8M
- Average total loans
- $177.7M
- Average interest-bearing deposits
- $115.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 15, 2002
- FDIC Cert
- 57312
- Fed RSSD
- 3067929
- Website
- www.tcbanknv.bank →
- Parent Holding Company
- WEST POINT BANCORP, INC. (RSSD 1057113)
- 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 & Country Bank 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 & Country Bank's total assets ran between $182.1M (Q2 2024) and $231.9M (Q4 2025), 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
$206.9M total assets against $209.8M; $175.4M total liabilities against $179.8M.
$172.8M net loans and leases against $154.6M; $169.9M total deposits against $179.3M.
$12.4M securities against $18.4M; $10.0M cash and balances due against $26.2M.
$3.3M total interest income against $2.9M; $697K total interest expense against $585K.
$2.6M net interest income against $2.3M.
$4K total noninterest income against $21K; $1.3M total noninterest expense against $1.1M.
$45K provision for credit losses against $0.
$1.3M net income against $1.2M.
2.31% return on assets against 2.48%; 5.08% net interest margin against 4.83%.
14.86% tier 1 leverage ratio against 15.53%.
Inside the full Town & Country 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Town & Country Bank rankings
Its closest position to the top of a national ranking is 239 of 3,611, for ROA; its furthest is 2,921 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.11% (Q4 2025) to 2.58% (Q3 2025) and its net interest margin ran from 4.71% (Q4 2024) to 5.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.86% | 2.31% | 0.00% | 3.43% | 5.08% |
| Q1 2026 | 14.40% | 2.42% | 0.00% | 3.57% | 4.83% |
| Q4 2025 | 13.70% | 2.11% | 0.00% | 3.73% | 4.79% |
| Q3 2025 | 15.31% | 2.58% | 0.00% | 3.44% | 5.02% |
| Q2 2025 | 15.53% | 2.48% | 0.74% | 3.61% | 4.83% |
| Q1 2025 | 15.90% | 2.42% | 0.00% | 0.00% | 4.85% |
| Q4 2024 | 15.06% | 2.15% | 0.00% | 0.00% | 4.71% |
| Q3 2024 | 16.68% | 2.37% | 0.00% | 0.00% | 4.97% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 (main office) | Las Vegas , NV | 89147 | $124.0M |
| Southern Highlands Parkway Branch | Las Vegas , NV | 89141 | $21.8M |
| West Charleston Boulevard Branch | Las Vegas , NV | 89135 | $18.0M |
| South Rainbow Branch | Las Vegas , NV | 89118 | $6.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NV, rank 31 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 & Country Bank
What are Town & Country Bank's total assets?
As of the Q2 2026 filing, Town & Country Bank reported total assets of $206.9 million in its FFIEC call report.
Where is Town & Country Bank headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Town & Country Bank founded?
It was established in 2002, per the FDIC institution directory.
Is Town & Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Town & Country Bank?
Town & Country Bank's primary federal regulator is the FDIC.
How many branches does Town & Country Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Town & Country Bank's Texas Ratio?
Its Texas Ratio is 3.43% 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.
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