Town & Country Bank (Ravenna, NE)
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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 Ravenna, NE, established in 1932 (FDIC certificate 1434), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $228.9M, up 4.5% from Q2 2025, the 75th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1434
- Headquarters
- Ravenna, NE
- Established
- 1932
- Total assets, Q2 2026
- $228.9M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 14.09%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104908422
- Latest call report
- Q2 2026, FFIEC 041 · Town & Country Bank call report
- Holding company
- PLATTE VALLEY CATTLE COMPANY
- Asset rank in state
- 75th of 138 in Nebraska
Town & Country Bank, based in Ravenna, Nebraska, reported $229 million in assets at June 30, 2026, up 4.5% from a year earlier. It holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 6.3% and deposits rose 1.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.9 million equal 15% of Tier 1 capital, down from 20% a year earlier.
As of June 30, 2026, Town & Country Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
Town & Country Bank ranks as the 75th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $228.9M, loans rose 3.2% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 48.4% of total loans, followed by farmland and other real estate loans at 25.4%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in NE; its Ravenna office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Town & Country Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 423 Grand Ave, Ravenna, NE 68869
- County
- Buffalo
- Metro Area
- Kearney, NE
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1932
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $194.1M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $232.2M
- Average total loans
- $150.8M
- Average interest-bearing deposits
- $158.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1434
- Fed RSSD
- 738255
- Website
- www.tcbank.bank →
- Parent Holding Company
- PLATTE VALLEY CATTLE COMPANY (RSSD 1054859)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Town & Country Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Town & Country Bank's total assets ran between $205.4M (Q3 2023) and $237.2M (Q4 2025), 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
$228.9M total assets against $219.1M; $200.1M total liabilities against $193.4M.
$152.2M net loans and leases against $143.3M; $194.1M total deposits against $191.9M.
$62.9M securities against $61.8M; $5.7M cash and balances due against $5.8M.
$3.2M total interest income against $3.1M; $803K total interest expense against $907K.
$2.4M net interest income against $2.2M.
$177K total noninterest income against $205K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$980K net income against $916K.
1.69% return on assets against 1.62%; 4.32% net interest margin against 4.19%.
14.09% tier 1 leverage ratio against 13.55%.
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 928 of 3,611, for ROA; its furthest is 3,321 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.11% (Q4 2024) to 1.92% (Q3 2025) and its net interest margin ran from 3.78% (Q4 2024) to 4.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.09% | 1.69% | 0.00% | 0.02% | 4.32% |
| Q1 2026 | 13.67% | 1.65% | 0.01% | 0.03% | 4.14% |
| Q4 2025 | 13.36% | 1.23% | 0.01% | 0.03% | 4.20% |
| Q3 2025 | 13.54% | 1.92% | 0.01% | 0.34% | 4.17% |
| Q2 2025 | 13.55% | 1.62% | 0.01% | 0.37% | 4.19% |
| Q1 2025 | 13.22% | 1.63% | 0.01% | 0.38% | 3.93% |
| Q4 2024 | 13.07% | 1.11% | 0.01% | 0.41% | 3.78% |
| Q3 2024 | 13.06% | 1.67% | 0.00% | 0.33% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Ravenna , NE | 68869 | $76.4M |
| Kearney Branch | Kearney , NE | 68847 | $67.0M |
| Pleasanton Branch | Pleasanton , NE | 68866 | $31.1M |
| Litchfield Branch | Litchfield , NE | 68852 | $19.7M |
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 |
|---|---|---|---|
| October 14, 2003 | Structure Change | Acquired Pleasanton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 1993 | Structure Change | Acquired State Bank of Litchfield 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 84 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $325K approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $228.9 million in its FFIEC call report.
Where is Town & Country Bank headquartered?
It is headquartered in Ravenna, NE, United States.
When was Town & Country Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Town & Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1434). 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.
How many branches does Town & Country Bank operate?
It operates 4 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 0.02% 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.
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