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 6530.00 percentage points in Q3 2026, from 32650.00% to 39180.00%. It was the largest change from Q2 2026 among the key lines here. Within Nebraska, Town & Country Bank is 21st of 138 on return on assets, 2.01% as of Q3 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Town & Country Bank reported 2.01% on return on assets in Q3 2026, 0.77 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.18% |
| Equity capital to assets | 12.18% |
| Tangible equity to tangible assets | 12.18% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.21% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 39180.00% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 16.67% |
| Net interest margin | 4.39% |
| Efficiency ratio | 44.45% |
| Yield on earning assets | 5.92% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 87.83% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.89% |
| Securities to assets | 25.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 13.33% | 1.35% | 3.99% | 0.00% | 0.00% |
| Q1 2024 | 13.26% | 1.48% | 3.82% | 0.00% | 0.00% |
| Q2 2024 | 13.51% | 1.62% | 3.98% | 0.00% | -0.00% |
| Q3 2024 | 13.06% | 1.67% | 3.96% | 0.00% | 0.00% |
| Q4 2024 | 13.07% | 1.11% | 3.78% | 0.01% | 0.00% |
| Q1 2025 | 13.22% | 1.63% | 3.93% | 0.01% | 0.00% |
| Q2 2025 | 13.55% | 1.62% | 4.19% | 0.01% | -0.00% |
| Q3 2025 | 13.54% | 1.92% | 4.17% | 0.01% | 0.00% |
| Q4 2025 | 13.36% | 1.23% | 4.20% | 0.01% | 0.00% |
| Q1 2026 | 13.67% | 1.65% | 4.14% | 0.01% | 0.00% |
| Q2 2026 | 14.09% | 1.69% | 4.32% | 0.00% | 0.00% |
| Q3 2026 | 14.18% | 2.01% | 4.39% | 0.00% | 0.00% |
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 1434) · FFIEC NIC profile (RSSD 738255)