PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Town & Country Bank

Ravenna, NE · Cert 1434 · Platte Valley Cattle Co.

State charter, Fed member · FED · 4 branches

Q2 2026

$228.9MAssets
$154.2MLoans
$194.1MDeposits
$28.8MEquity
Loan mix
81%RE $60.8M15%C&I $11.2M5%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $156.3M19%Noninterest $37.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.69%, up 3 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.09%, up 54 bps from a year ago.
  • Funding: loans stand at 79.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+18 bps YoY

Efficiency Ratio (YTD, annualized)

53.99%+75 bps YoY

Tier 1 Leverage Ratio

14.09%+54 bps YoY

NIM

5.69%Q2 ’245.55%Q2 ’255.47%Q2 ’26+1%+5%

Non-interest income vs. expense

2.22%Q2 ’242.22%Q2 ’252.33%Q2 ’26-3%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.46%1.65%1.66%1.76%1.62%1.67%1.69%+3 bps
Return on Equity14.59%13.58%15.16%14.85%15.41%14.12%13.77%13.74%-111 bps
Net Interest Margin3.63%3.67%3.70%3.84%3.80%3.82%3.90%4.02%+18 bps
Efficiency Ratio52.61%52.84%53.92%53.24%50.66%50.81%55.26%53.99%+75 bps
Non-Interest Burden1.78%1.81%1.86%1.89%1.76%1.79%2.02%2.03%+14 bps
Growth
Asset Growth (YoY)9.16%2.29%4.22%1.20%1.10%5.03%3.26%4.48%+327 bps
Loan Growth (YoY)12.24%8.64%7.67%1.52%-0.84%4.76%4.79%6.26%+474 bps
Deposit Growth (YoY)6.76%5.36%3.88%1.69%7.88%-0.30%1.90%1.19%-50 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.15%1.23%1.21%1.19%1.23%1.31%1.27%+6 bps
Allowance Coverage of NPLsn/a146.5x159.8x159.9x175.9x217.7x244.9x326.5x+166.6x
Capital
Tier 1 Leverage Ratio13.06%13.07%13.22%13.55%13.54%13.36%13.67%14.09%+54 bps
Total Risk-Based Capital13.06%13.07%13.22%13.55%13.54%13.36%13.67%14.09%+54 bps
Equity / Assets11.52%10.41%11.34%11.71%12.31%11.70%12.52%12.59%+88 bps
Liquidity & Funding
Loans / Deposits81.04%80.47%73.50%75.63%74.49%84.55%75.58%79.41%+379 bps
Liquid Assets / Assets1.02%1.00%1.03%1.03%1.00%0.85%0.89%0.87%-16 bps
CRE / Total Capitaln/an/an/an/a33.43%31.95%34.65%n/an/a