Town and Country Bank Midwest: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Town and Country Bank Midwest is a locally rooted FDIC-insured community bank based in Quincy, IL. As of Q2 2026, the bank held approximately $279M in total assets and $237M in deposits. The bank posts a strong 3.07% ROA and 20.88% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.89% exceeds the CBLR threshold. Asset quality is pristine, 0.00% NPLs and a 5.82% Texas Ratio. It operates 6 branches, primarily in Illinois.
As of June 30, 2026, Town and Country Bank Midwest reported a Tier 1 leverage ratio of 14.89%, a return on assets of 3.07%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 5.82%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 524 N 30th St, Quincy, IL 62301
- County
- Adams
- Metro Area
- Quincy, IL-MO
- 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 051
- Established
- January 1, 1910
- Former names
- Town & Country Bank Midwest (2013); Town and Country Bank of Quincy (2006-2013); South Side Bank of Quincy (1973)
- Offices
- 6 domestic
- Employees (FTE)
- 47
- Domestic deposits
- $237.0M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $328K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10460
- Fed RSSD
- 349343
- Website
- www.tcbankmidwest.com →
- Parent Holding Company
- T & C BANCORP, INC. (RSSD 1095816)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Town and Country Bank Midwest terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Town and Country Bank Midwest, freeTown and Country Bank Midwest rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Town and Country Bank Midwest
- The Hill-Dodge Banking Company, effective November 8, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.89% | 3.07% | 0.00% | 5.82% | 5.21% |
| Q1 2026 | 14.58% | 3.28% | 0.16% | 6.41% | 5.05% |
| Q4 2025 | 14.38% | 4.10% | 0.00% | 5.86% | 8.40% |
| Q3 2025 | 14.15% | 3.53% | 0.00% | 7.48% | 5.59% |
| Q2 2025 | 13.66% | 3.57% | 0.00% | 8.15% | 5.52% |
| Q1 2025 | 13.20% | 3.19% | 0.00% | 7.75% | 5.27% |
| Q4 2024 | 13.07% | 1.27% | 0.00% | 8.16% | 5.32% |
| Q3 2024 | 13.63% | 2.96% | 0.22% | 10.99% | 5.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Town & Country Bank Midwest | Quincy , IL | 62301 | $127.6M |
| Warsaw Branch | Warsaw , IL | 62379 | $50.0M |
| The State Bank of Lima Branch | Lima , IL | 62348 | $20.9M |
| Town & Country Bank Midwest Branch | La Belle , MO | 63447 | $20.6M |
| Town & Country Bank Midwest - Lagrange, Mo Branch | La Grange , MO | 63448 | $18.0M |
| Harrison St. Branch | Quincy , IL | 62301 | $0 |
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 8, 2025 | Structure Change | Acquired The Hill-Dodge Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 4, 2015 | Structure Change | Acquired The State Bank of Lima Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Structure Change | Acquired Town & Country Bank of Missouri 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 6 events.
Regulatory record
What the public regulatory sources show for Town and Country Bank Midwest, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 210 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Town and Country Bank Midwest’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Town and Country Bank Midwest with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Town and Country Bank Midwest
What are Town and Country Bank Midwest's total assets?
As of the Q2 2026 filing, Town and Country Bank Midwest reported total assets of $279.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Town and Country Bank Midwest headquartered?
Town and Country Bank Midwest is headquartered in Quincy, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Town and Country Bank Midwest founded?
Town and Country Bank Midwest was established in 1910, per the FDIC institution directory.
Is Town and Country Bank Midwest FDIC-insured?
Yes. Town and Country Bank Midwest is an FDIC-insured commercial bank (FDIC Certificate #10460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Town and Country Bank Midwest?
Town and Country Bank Midwest's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Town and Country Bank Midwest operate?
Town and Country Bank Midwest operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Town and Country Bank Midwest's Texas Ratio?
Town and Country Bank Midwest's Texas Ratio is 5.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Town and Country Bank Midwest previously called?
The charter now named Town and Country Bank Midwest has also operated as Town & Country Bank Midwest (2013), Town and Country Bank of Quincy (2006-2013), South Side Bank of Quincy (1973), per FDIC structure-change records.
Go deeper on Town and Country Bank Midwest.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Town and Country Bank Midwest, freeFree account