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

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	8-Qtr Trend
Earnings
Return on Assets	0.91%	0.38%	0.78%	1.22%	Beats 58%	257 / 615	n/a
Return on Equity	3.99%	4.20%	7.94%	12.05%	Beats 24%	465 / 614	n/a
Net Interest Margin	3.86%	2.66%	3.18%	3.74%	Beats 79%	127 / 608	n/a
Efficiency Ratio	75.04%	61.61%	72.96%	85.16%	Beats 45%	338 / 614	n/a
Asset Quality
Nonperforming Loans / Loans	5.14%	0.07%	0.29%	0.76%	Beats 1%	560 / 565	n/a
Net Charge-Offs / Loans	0.30%	n/a	0.01%	0.04%	Beats 6%	533 / 565	n/a
Capital
Tier 1 Capital Ratio	21.15%	11.66%	14.13%	19.83%	Beats 77%	139 / 614	n/a
Total Risk-Based Capital Ratio	21.15%	12.30%	15.08%	20.79%	Beats 76%	150 / 614	n/a
Equity / Assets	22.85%	7.99%	9.79%	12.86%	Beats 89%	66 / 614	n/a
Liquidity & Funding
Loans / Deposits	61.73%	63.02%	78.97%	92.93%	23rd pctl	442 / 576	n/a
Loans / Assets	47.28%	54.23%	67.08%	77.53%	15th pctl	481 / 565	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution