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Town & Country Bank

Salem, MO · Cert 13071 · Town&Country Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$747.7MAssets
$503.2MLoans
$642.2MDeposits
$81.3MEquity
Loan mix
93%RE $437.4M4%C&I $21.0M3%Consumer $13.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $472.6M26%Noninterest $169.6MQ2 2025Q2 2026

NIM

4.65%Q2 ’245.04%Q2 ’255.20%Q2 ’26+7%+9%

Non-interest income vs. expense

2.51%Q2 ’242.53%Q2 ’252.75%Q2 ’26-3%-19%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #97 of 111 inst. · $0.0B of $141.7B

12.5% Phelps
41.9% Dent
32.3% Douglas
15.0% Texas

Executive Summary

  • Earnings: ROA of 1.99%, up 48 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.35% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.37%, up 104 bps from a year ago.
  • Funding: loans stand at 78.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.99%+48 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+33 bps YoY

Efficiency Ratio (YTD, annualized)

51.88%-523 bps YoY

Tier 1 Leverage Ratio

12.37%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.55%1.56%2.21%1.99%+48 bps
Return on Equity16.43%16.52%16.20%21.02%18.65%+222 bps
Net Interest Margin3.67%3.77%3.89%3.97%4.00%+33 bps
Efficiency Ratio57.11%56.16%56.07%52.07%51.88%-523 bps
Non-Interest Burden1.75%1.77%1.82%1.15%1.42%-32 bps
Growth
Asset Growth (YoY)7.31%3.86%2.23%2.83%0.26%-705 bps
Loan Growth (YoY)6.52%8.15%4.94%4.40%5.61%-91 bps
Deposit Growth (YoY)6.42%3.38%1.27%2.78%-0.36%-678 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.34%0.34%0.38%0.35%+9 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans1.29%1.27%1.33%1.33%1.35%+6 bps
Allowance Coverage of NPLs4.8x3.7x3.9x3.5x3.8x-1.0x
Capital
Tier 1 Leverage Ratio11.32%11.56%12.02%12.27%12.37%+104 bps
Total Risk-Based Capital19.96%19.69%19.88%20.88%20.65%+70 bps
Equity / Assets9.37%9.96%10.62%10.46%10.88%+151 bps
Liquidity & Funding
Loans / Deposits73.92%77.65%79.17%75.12%78.35%+443 bps
Liquid Assets / Assets6.89%3.40%1.31%6.73%3.03%-386 bps
CRE / Total Capitaln/a133.78%129.40%121.62%n/an/a