Town & Country Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Town & Country Bank of Salem, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.21% | 1.35% | +0.86% | 90th top |
| ROAE | 20.80% | 12.05% | +8.75% | 89th top |
| Net Interest Margin | 4.12% | 3.90% | +0.22% | 60th above |
| Efficiency Ratio | 51.22% | 63.15% | -11.93% | 78th top |
| PPNR / Avg Assets | 2.34% | 1.64% | +0.70% | 85th top |
| Yield on Earning Assets | 5.37% | 5.65% | -0.28% | 38th below |
| Cost of Funds | 1.38% | 1.85% | -0.47% | 76th top |
| Net Interest Spread | 3.50% | 3.35% | +0.15% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.92% | -0.56% | 53rd above |
| NPA / Total Assets | 0.24% | 0.67% | -0.43% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 373.77% | 1645.68% | -1271.91% | 65th above |
| Texas Ratio | 2.20% | 7.15% | -4.95% | 61st above |
| Provision / NCO | 3050.00% | 1188.08% | +1861.92% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.40% | 20.83% | -1.43% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.40% | 20.86% | -1.46% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.65% | 21.94% | -1.29% | 75th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.37% | 12.46% | -0.09% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.88% | 11.67% | -0.79% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 11.40% | -1.11% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.35% | 78.64% | -0.29% | 55th above |
| Core Deposit Ratio | 95.49% | 87.09% | +8.40% | 86th top |
| Wholesale Funding Ratio | 2.64% | 5.11% | -2.47% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.26% | 6.48% | -6.22% | 21st bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 7.64% | -2.03% | 52nd above |
| Deposit Growth (Y/Y) | -0.36% | 6.03% | -6.39% | 21st bottom |
See Town & Country Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Town & Country Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Town & Country Bank profile, how to read a UBPR, or how this data updates.