Town & Country Bank and Trust Company: 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.
Loan-to-deposit ratio climbed 1.02 percentage points in Q2 2026, from 74.62% to 75.64%. It was the largest change from Q1 2026 among the key lines here. Town & Country Bank and Trust Company ranks 35th of 119 Kentucky banks on return on assets, in the upper half at 1.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Town & Country Bank and Trust Company sits 0.40 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.75% |
| Equity capital to assets | 12.14% |
| Tangible equity to tangible assets | 12.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 1.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.80% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 62.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 13.83% |
| Net interest margin | 4.70% |
| Efficiency ratio | 58.91% |
| Yield on earning assets | 5.36% |
| Cost of funds | 0.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.64% |
| Core deposits to total deposits | 98.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.17% |
| Securities to assets | 24.72% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 10.96% | 1.08% | 3.65% | 1.59% | -0.01% |
| Q4 2023 | 11.11% | 0.85% | 3.56% | 1.61% | -0.00% |
| Q1 2024 | 11.07% | 0.99% | 3.62% | 1.58% | 0.02% |
| Q2 2024 | 11.33% | 1.00% | 3.81% | 1.54% | 0.09% |
| Q3 2024 | 11.62% | 1.25% | 3.89% | 1.51% | 0.06% |
| Q4 2024 | 11.87% | 1.25% | 4.04% | 1.48% | -0.04% |
| Q1 2025 | 12.43% | 1.57% | 4.21% | 1.47% | -0.01% |
| Q2 2025 | 12.44% | 1.41% | 4.38% | 1.46% | -0.07% |
| Q3 2025 | 12.72% | 1.64% | 4.65% | 1.52% | -0.21% |
| Q4 2025 | 12.69% | 1.39% | 4.48% | 1.41% | -0.00% |
| Q1 2026 | 12.69% | 1.27% | 4.45% | 1.75% | 0.03% |
| Q2 2026 | 12.75% | 1.65% | 4.70% | 1.72% | 0.00% |
Town & Country Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15703) · FFIEC NIC profile (RSSD 692946)