Salem, MO · Cert 13071 · Town&Country Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #97 of 111 inst. · $0.0B of $141.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.32% | 1.37% | 1.63% | 1.62% | 1.56% | 2.21% | 1.74% | +11 bps | |
| Return on Equity | 16.04% | 14.47% | 15.08% | 17.64% | 16.75% | 15.14% | 21.02% | 16.33% | -131 bps | |
| Net Interest Margin | 3.59% | 3.62% | 3.54% | 3.83% | 3.97% | 4.06% | 3.97% | 4.08% | +25 bps | |
| Efficiency Ratio | 58.44% | 60.74% | 59.20% | 55.20% | 54.37% | 55.81% | 52.07% | 51.66% | -354 bps | |
| Non-Interest Burden | 1.77% | 1.89% | 1.78% | 1.73% | 1.80% | 1.88% | 1.15% | 1.71% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 6.05% | 5.94% | 7.31% | 3.86% | 2.23% | 2.83% | 0.26% | -705 bps | |
| Loan Growth (YoY) | 4.83% | 7.56% | 8.18% | 6.52% | 8.15% | 4.94% | 4.40% | 5.61% | -91 bps | |
| Deposit Growth (YoY) | 5.93% | 6.82% | 5.85% | 6.42% | 3.38% | 1.27% | 2.78% | -0.36% | -678 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.40% | 0.42% | 0.27% | 0.34% | 0.34% | 0.38% | 0.35% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.01% | 0.03% | 0.05% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.31% | 1.30% | 1.31% | 1.29% | 1.27% | 1.33% | 1.33% | 1.35% | +6 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.2x | 3.1x | 4.8x | 3.7x | 3.9x | 3.5x | 3.8x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.00% | 11.25% | 11.30% | 11.32% | 11.56% | 12.02% | 12.27% | 12.37% | +104 bps | |
| Total Risk-Based Capital | 19.44% | 19.44% | 19.89% | 19.96% | 19.69% | 19.88% | 20.88% | 20.65% | +70 bps | |
| Equity / Assets | 9.22% | 8.98% | 9.16% | 9.37% | 9.96% | 10.62% | 10.46% | 10.88% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.22% | 76.40% | 73.96% | 73.92% | 77.65% | 79.17% | 75.12% | 78.35% | +443 bps | |
| Liquid Assets / Assets | 4.63% | 2.43% | 6.91% | 6.89% | 3.40% | 1.31% | 6.73% | 3.03% | -386 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.78% | 129.40% | 121.62% | n/a | n/a | |