Town & Country Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 12.57 percentage points higher than in Q1 2026, at 103.12%. Town & Country Bank ranks 4th of 14 Nevada banks on return on assets, in the upper half at 2.31% (Q2 2026). Town & Country Bank's return on assets of 2.31% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.06 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.86% |
| Equity capital to assets | 15.23% |
| Tangible equity to tangible assets | 15.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.43% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 16.29% |
| Net interest margin | 5.08% |
| Efficiency ratio | 50.42% |
| Yield on earning assets | 6.43% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.12% |
| Core deposits to total deposits | 81.70% |
| Brokered deposits to total deposits | 2.80% |
| Deposits to assets | 82.10% |
| Securities to assets | 6.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.00% | 2.37% | 4.67% | 0.00% | 0.00% |
| Q4 2023 | 14.13% | 2.22% | 4.59% | 0.00% | 0.00% |
| Q1 2024 | 15.19% | 2.28% | 4.76% | 0.00% | 0.00% |
| Q2 2024 | 16.42% | 2.42% | 4.91% | 0.00% | 0.00% |
| Q3 2024 | 16.68% | 2.37% | 4.97% | 0.00% | 0.00% |
| Q4 2024 | 15.06% | 2.15% | 4.71% | 0.00% | 0.00% |
| Q1 2025 | 15.90% | 2.42% | 4.85% | 0.00% | 0.00% |
| Q2 2025 | 15.53% | 2.48% | 4.83% | 0.74% | 0.00% |
| Q3 2025 | 15.31% | 2.58% | 5.02% | 0.00% | 0.00% |
| Q4 2025 | 13.70% | 2.11% | 4.79% | 0.00% | 0.00% |
| Q1 2026 | 14.40% | 2.42% | 4.83% | 0.00% | 0.00% |
| Q2 2026 | 14.86% | 2.31% | 5.08% | 0.00% | 0.00% |
Town & Country Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Town & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57312) · FFIEC NIC profile (RSSD 3067929)