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.
Reserve coverage of non-performing loans climbed 29.94 percentage points in Q2 2026, from 343.83% to 373.77%. It was the largest change from Q1 2026 among the key lines here. Town & Country Bank ranks 29th of 192 Missouri banks on return on assets, in the upper half at 2.21% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Town & Country Bank reported 2.21% on return on assets in Q2 2026, 0.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.40% |
| Tier 1 risk-based capital ratio | 19.40% |
| Total risk-based capital ratio | 20.65% |
| Tier 1 leverage ratio | 12.37% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 10.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.20% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 373.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 20.80% |
| Net interest margin | 4.12% |
| Efficiency ratio | 51.22% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.35% |
| Core deposits to total deposits | 95.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.89% |
| Securities to assets | 25.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.46% | 18.46% | 19.71% | 11.03% | 1.46% |
| Q4 2023 | 18.80% | 18.80% | 20.05% | 11.36% | 1.50% |
| Q1 2024 | 18.87% | 18.87% | 20.13% | 11.30% | 1.51% |
| Q2 2024 | 18.46% | 18.46% | 19.71% | 10.97% | 1.65% |
| Q3 2024 | 18.19% | 18.19% | 19.44% | 11.00% | 1.76% |
| Q4 2024 | 18.18% | 18.18% | 19.44% | 11.25% | 1.62% |
| Q1 2025 | 18.64% | 18.64% | 19.89% | 11.30% | 1.70% |
| Q2 2025 | 18.70% | 18.70% | 19.96% | 11.32% | 2.07% |
| Q3 2025 | 18.44% | 18.44% | 19.69% | 11.56% | 2.05% |
| Q4 2025 | 18.63% | 18.63% | 19.88% | 12.02% | 1.97% |
| Q1 2026 | 19.63% | 19.63% | 20.88% | 12.27% | 2.79% |
| Q2 2026 | 19.40% | 19.40% | 20.65% | 12.37% | 2.21% |
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 13071) · FFIEC NIC profile (RSSD 487357)