Town & Country Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Town & Country Bank and Trust Company is an FDIC-insured commercial bank headquartered in Bardstown, KY, established in 1907 (FDIC certificate 15703), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $433.7M, up 4.5% from Q2 2025, the 48th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15703
- Headquarters
- Bardstown, KY
- Established
- 1907
- Total assets, Q2 2026
- $433.7M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 12.75%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 083902060
- Latest call report
- Q2 2026, FFIEC 041 · Town & Country Bank and Trust Company Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FIRST FARMERS BANK HOLDING COMPANY
- Asset rank in state
- 48th of 120 in Kentucky
Town & Country Bank and Trust Company, based in Bardstown, Kentucky, reported $434 million in assets at June 30, 2026, up 4.5% from a year earlier. It pays an average of 0.72% on its deposits and borrowings, about a third the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 4.70 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Net income for the quarter rose 22% from a year earlier, to $1.8 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.42% of loans, against 0.23% a year earlier.
As of June 30, 2026, Town & Country Bank and Trust Company reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.17%. The figures come from its call report filed with the FFIEC.
Town & Country Bank and Trust Company ranks as the 48th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $433.7M, loans rose 1.4% and deposits were flat. 1-4 family residential loans made up 38.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.4%. Its 5 offices in the FDIC Summary of Deposits are in Bardstown, KY, New Haven, KY and Lawrenceburg, KY; its Bardstown 3 offices book 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Town & Country Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N 3rd St, Bardstown, KY 40004
- County
- Nelson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 9, 1907
- Former names
- Farmers Bank & Trust Co. (1972-2004)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 87
- Domestic deposits
- $378.0M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $435.0M
- Average total loans
- $283.9M
- Average interest-bearing deposits
- $251.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 25, 1939
- FDIC Cert
- 15703
- Fed RSSD
- 692946
- Website
- www.mytcbt.bank →
- Parent Holding Company
- FIRST FARMERS BANK HOLDING COMPANY (RSSD 1100112)
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 and Trust Company 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 and Trust Company's total assets ran between $415.0M (Q2 2025) and $437.3M (Q1 2024), 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
$433.7M total assets against $415.0M; $381.0M total liabilities against $367.3M.
$282.9M net loans and leases against $272.0M; $378.0M total deposits against $364.7M.
$107.2M securities against $92.6M; $25.1M cash and balances due against $34.3M.
$5.5M total interest income against $5.0M; $687K total interest expense against $662K.
$4.8M net interest income against $4.3M.
$1.3M total noninterest income against $1.1M; $3.6M total noninterest expense against $3.4M.
$30K provision for credit losses against $30K.
$1.8M net income against $1.5M.
1.65% return on assets against 1.41%; 4.70% net interest margin against 4.38%.
12.75% tier 1 leverage ratio against 12.44%.
Inside the full Town & Country Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTown & Country Bank and Trust Company rankings
Its closest position to the top of a national ranking is 992 of 3,611, for ROA; its furthest is 2,193 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q4 2024) to 1.65% (Q2 2026) and its net interest margin ran from 3.89% (Q3 2024) to 4.70% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.75% | 1.65% | 0.42% | 2.17% | 4.70% |
| Q1 2026 | 12.69% | 1.27% | 0.41% | 2.15% | 4.45% |
| Q4 2025 | 12.69% | 1.39% | 0.39% | 2.01% | 4.48% |
| Q3 2025 | 12.72% | 1.64% | 0.29% | 1.55% | 4.65% |
| Q2 2025 | 12.44% | 1.41% | 0.23% | 1.24% | 4.38% |
| Q1 2025 | 12.43% | 1.57% | 0.18% | 1.01% | 4.21% |
| Q4 2024 | 11.87% | 1.25% | 0.04% | 0.26% | 4.04% |
| Q3 2024 | 11.62% | 1.25% | 0.02% | 0.10% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 and Trust Company (main office) | Bardstown , KY | 40004 | $184.9M |
| West John Rowan Boulevard Branch | Bardstown , KY | 40004 | $78.5M |
| New Haven Branch | New Haven , KY | 40051 | $46.9M |
| Nelson Plaza Banking Center Branch | Bardstown , KY | 40004 | $35.2M |
| Lawrenceburg Branch | Lawrenceburg , KY | 40342 | $32.5M |
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 |
|---|---|---|---|
| November 1, 1982 | M&A | Acquired Bank of New Haven merger for the acquired bank | SEC |
| November 1, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1982 | Structure Change | Acquired Bank of New Haven 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 60 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 and Trust Company
What are Town & Country Bank and Trust Company's total assets?
As of the Q2 2026 filing, Town & Country Bank and Trust Company reported total assets of $433.7 million in its FFIEC call report.
Where is Town & Country Bank and Trust Company headquartered?
It is headquartered in Bardstown, KY, United States.
When was Town & Country Bank and Trust Company founded?
It was established in 1907, per the FDIC institution directory.
Is Town & Country Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15703). 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 and Trust Company?
Town & Country Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Town & Country Bank and Trust Company operate?
It operates 5 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 2.17% 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.
What was Town & Country Bank and Trust Company previously called?
The charter now named Town & Country Bank and Trust Company has also operated as Farmers Bank & Trust Co. (1972-2004), per FDIC structure-change records.
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