Town & Country Bank
Salem, MO · Cert 13071 · Peer group: banks under $1B in assets in MO (n=82-83) · Town&Country Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$747.7MAssets
$503.2MLoans
$642.2MDeposits
$81.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets in MO (rank 9 of 83).
- Widest gap: equity / assets trails 47% of banks under $1B in assets in MO (rank 39 of 83).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.97%
Rank 10 of 83
Net Interest Margin
4.00%
Rank 33 of 83
Efficiency Ratio
51.88%
Rank 25 of 83
Equity / Assets
10.88%
Rank 39 of 83
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 71% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.96% | 1.32% | 1.75% | Beats 88% | 10 / 83 | |
| Return on Equity | 18.15% | 9.66% | 12.96% | 15.76% | Beats 87% | 11 / 83 | |
| Net Interest Margin | 4.00% | 3.35% | 3.85% | 4.16% | Beats 60% | 33 / 83 | |
| Efficiency Ratio | 51.88% | 49.83% | 58.83% | 68.51% | Beats 71% | 25 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.08% | 0.51% | 1.01% | Beats 56% | 37 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 66% | 29 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 19.40% | 11.01% | 12.49% | 14.98% | Beats 88% | 10 / 83 | |
| Total Risk-Based Capital Ratio | 20.65% | 11.13% | 13.01% | 15.10% | Beats 89% | 9 / 83 | |
| Equity / Assets | 10.88% | 8.83% | 10.71% | 13.29% | Beats 53% | 39 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 78.35% | 69.28% | 83.22% | 91.21% | 40th pctl | 49 / 82 | |
| Loans / Assets | 67.30% | 59.34% | 71.15% | 78.36% | 36th pctl | 53 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |