Town & Country Bank (Salem, MO)
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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 Salem, MO, established in 1894 (FDIC certificate 13071), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $747.7M, up 0.3% from Q2 2025, the 51st largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 19.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13071
- Headquarters
- Salem, MO
- Established
- 1894
- Total assets, Q2 2026
- $747.7M
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 19.40%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 081503704
- Latest call report
- Q2 2026, FFIEC 041 · Town & Country Bank call report
- Holding company
- TOWN & COUNTRY BANCSHARES, INC
- Asset rank in state
- 51st of 191 in Missouri
Town & Country Bank is one of the more profitable banks of its size. It reported $748 million in assets at June 30, 2026. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also lost 0.4% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 5.6% and deposits fell 0.4%. Unrealized losses on its securities total $17 million, equal to 18% of Tier 1 capital, against 22% a year earlier.
As of June 30, 2026, Town & Country Bank reported a CET1 capital ratio of 19.40%, a return on assets of 2.21%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
Town & Country Bank ranks as the 51st largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $747.7M, loans rose 2.0% and deposits fell 2.2%. 1-4 family residential loans made up 45.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.9%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in MO; its Salem 2 offices book 20% of its branch deposits. On its Q2 2026 call report, Town & Country Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1009 E. Scenic Rivers Blvd., Salem, MO 65560
- County
- Dent
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- January 1, 1894
- Former names
- Dent County Bank & Trust Company (1989-2000)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 143
- Domestic deposits
- $642.2M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $756.5M
- Average total loans
- $498.9M
- Average interest-bearing deposits
- $478.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13071
- Fed RSSD
- 487357
- Website
- www.tcbanks.com →
- Parent Holding Company
- TOWN & COUNTRY BANCSHARES, INC (RSSD 1095722)
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 & Country Bank's total assets ran between $660.2M (Q3 2023) and $760.8M (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
$747.7M total assets against $745.8M; $666.4M total liabilities against $675.9M.
$496.4M net loans and leases against $470.3M; $642.2M total deposits against $644.6M.
$187.6M securities against $178.5M; $35.5M cash and balances due against $66.2M.
$9.9M total interest income against $9.7M; $2.3M total interest expense against $2.6M.
$7.7M net interest income against $7.1M.
$1.5M total noninterest income against $1.5M; $4.7M total noninterest expense against $4.8M.
$241K provision for credit losses against $7K.
$4.2M net income against $3.9M.
2.21% return on assets against 2.07%; 4.12% net interest margin against 3.88%.
19.40% CET1 capital ratio against 18.70%; 12.37% tier 1 leverage ratio against 11.32%.
Inside the full Town & Country Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTown & Country Bank rankings
Its closest position to the top of a national ranking is 305 of 3,611, for ROA; its furthest is 2,204 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.62% (Q4 2024) to 2.79% (Q1 2026) and its net interest margin ran from 3.68% (Q1 2025) to 4.13% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.40% | 2.21% | 0.35% | 2.15% | 4.12% |
| Q1 2026 | 19.63% | 2.79% | 0.38% | 2.46% | 4.04% |
| Q4 2025 | 18.63% | 1.97% | 0.34% | 2.16% | 4.13% |
| Q3 2025 | 18.44% | 2.05% | 0.34% | 2.23% | 4.03% |
| Q2 2025 | 18.70% | 2.07% | 0.27% | 1.98% | 3.88% |
| Q1 2025 | 18.64% | 1.70% | 0.42% | 2.92% | 3.68% |
| Q4 2024 | 18.18% | 1.62% | 0.40% | 3.02% | 3.77% |
| Q3 2024 | 18.19% | 1.76% | 0.43% | 3.27% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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) | Salem , MO | 65560 | $111.8M |
| Ava Branch | Ava , MO | 65608 | $85.1M |
| Licking Branch | Licking , MO | 65542 | $81.1M |
| Rolla Branch | Rolla , MO | 65401 | $75.8M |
| Bourbon Branch | Bourbon , MO | 65441 | $74.6M |
| Mountain Grove Branch | Mountain Grove , MO | 65711 | $72.4M |
| St. James Branch | St. James , MO | 65559 | $49.8M |
| Rolla North Bishop Branch | Rolla , MO | 65401 | $44.4M |
| Pevely Bank Branch | Pevely , MO | 63070 | $31.4M |
| Scenic Rivers Blvd. Branch | Salem , MO | 65560 | $15.9M |
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 |
|---|---|---|---|
| July 31, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 2000 | Structure Change | Acquired Town & Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 1986 | Structure Change | Acquired Reynolds County Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1986 | Structure Change | Acquired The Bank of Bunker 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
- 0.2% of deposits in MO, rank 67 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 296 applications, 240 loans originated, $46.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $544K approved, $544K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $747.7 million in its FFIEC call report.
Where is Town & Country Bank headquartered?
It is headquartered in Salem, MO, United States.
When was Town & Country Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Town & Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13071). 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 Federal Reserve.
What is Town & Country Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Town & Country Bank operate?
It operates 10 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 2.15% 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 & Country Bank previously called?
The charter now named Town & Country Bank has also operated as Dent County Bank & Trust Company (1989-2000), per FDIC structure-change records.
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