Town & Country Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Town & Country Bank and Trust Company of Bardstown, KY 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 | 1.65% | 1.34% | +0.31% | 72nd above |
| ROAE | 13.83% | 13.31% | +0.52% | 59th above |
| Net Interest Margin | 4.70% | 3.93% | +0.77% | 86th top |
| Efficiency Ratio | 58.91% | 61.14% | -2.23% | 57th above |
| PPNR / Avg Assets | 2.25% | 1.68% | +0.57% | 82nd top |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 0.72% | 1.88% | -1.16% | 96th top |
| Net Interest Spread | 4.26% | 3.32% | +0.94% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.94% | +0.78% | 16th bottom |
| NPA / Total Assets | 1.13% | 0.70% | +0.43% | 17th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 62.17% | 1539.35% | -1477.18% | 15th bottom |
| Texas Ratio | 8.80% | 7.33% | +1.47% | 25th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 300.00% | 1396.19% | -1096.19% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.75% | 12.14% | +0.61% | 73rd above |
| Equity / Assets | 12.14% | 11.37% | +0.77% | 72nd above |
| TCE / Tangible Assets | 12.14% | 11.09% | +1.05% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.64% | 80.64% | -5.00% | 60th above |
| Core Deposit Ratio | 98.71% | 86.86% | +11.85% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.50% | 6.85% | -2.35% | 50th above |
| Loan Growth (Y/Y) | 4.04% | 7.90% | -3.86% | 42nd below |
| Deposit Growth (Y/Y) | 3.65% | 6.29% | -2.64% | 47th below |
See Town & Country Bank and Trust Company'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 and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.