Town-Country National Bank
Camden, AL · Cert 22621 · Peer group: banks under $1B in assets (n=565-615)
FDIC · 1 branch
Q2 2024
$119.9MAssets
$56.7MLoans
$91.8MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks under $1B in assets (rank 66 of 614).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 560 of 565).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.91%
Rank 257 of 615
Net Interest Margin
3.86%
Rank 127 of 608
Efficiency Ratio
75.04%
Rank 338 of 614
Equity / Assets
22.85%
Rank 66 of 614
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 45% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.38% | 0.78% | 1.22% | Beats 58% | 257 / 615 | |
| Return on Equity | 3.99% | 4.20% | 7.94% | 12.05% | Beats 24% | 465 / 614 | |
| Net Interest Margin | 3.86% | 2.66% | 3.18% | 3.74% | Beats 79% | 127 / 608 | |
| Efficiency Ratio | 75.04% | 61.61% | 72.96% | 85.16% | Beats 45% | 338 / 614 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.14% | 0.07% | 0.29% | 0.76% | Beats 1% | 560 / 565 | |
| Net Charge-Offs / Loans | 0.30% | n/a | 0.01% | 0.04% | Beats 6% | 533 / 565 | |
| Capital |
| Tier 1 Capital Ratio | 21.15% | 11.66% | 14.13% | 19.83% | Beats 77% | 139 / 614 | |
| Total Risk-Based Capital Ratio | 21.15% | 12.30% | 15.08% | 20.79% | Beats 76% | 150 / 614 | |
| Equity / Assets | 22.85% | 7.99% | 9.79% | 12.86% | Beats 89% | 66 / 614 | |
| Liquidity & Funding |
| Loans / Deposits | 61.73% | 63.02% | 78.97% | 92.93% | 23rd pctl | 442 / 576 | |
| Loans / Assets | 47.28% | 54.23% | 67.08% | 77.53% | 15th pctl | 481 / 565 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |