Town & Country Bank
Town & Country Bank is the primary bank subsidiary of its parent holding company, headquartered in Salem, MO. As of Q1 2026, the bank held approximately $761M in total assets and $657M in deposits. Returns are notably above industry norms: 2.79% ROA, 26.74% ROE, and 4.04% NIM. Regulatory capital is solid — 19.63% CET1 and 20.88% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.39%. 10 branches make up the footprint.
Headquarters Profile
- Address
- 1009 E. Scenic Rivers Blvd., SALEM, MO 65560
- County
- Dent
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 11
- Established
- January 1, 1894
- Branches
- 10 domestic
- Employees (FTE)
- 142
- FDIC Cert
- 13071
- Fed RSSD
- 487357
- Website
- www.tcbanks.com →
- Parent Holding Company
- TOWN & COUNTRY BANCSHARES, INC (RSSD 1095722)
Capital & Liquidity
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Town & Country Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about Town & Country Bank
What are Town & Country Bank's total assets?
As of the Q1 2026 filing, Town & Country Bank reported total assets of $760.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Town & Country Bank headquartered?
Town & Country Bank is headquartered in SALEM, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Town & Country Bank founded?
Town & Country Bank was established in 1894, per the FDIC institution directory.
Is Town & Country Bank FDIC-insured?
Yes. Town & Country Bank 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Town & Country Bank's CET1 capital ratio?
Town & Country Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.63% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Town & Country Bank operate?
Town & Country Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Town & Country Bank's Texas Ratio?
Town & Country Bank's Texas Ratio is 2.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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