| Metric | Town & Country Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.9% | -4.6 pts |
| Deposit growth (YoY) | -0.4% | +4.3% | -4.7 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.2 pts |
| ROA | 2.53% | 1.28% | +1.3 pts |
| ROE | 23.8% | 12.4% | +11.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $747.7M | $642.2M | $496.4M | $81.3M | $9.4M | 2.53% | 4.27% | 0.24% |
| Q1 2026 | $760.8M | $657.0M | $487.0M | $79.6M | $5.2M | 2.82% | 4.21% | 0.26% |
| Q4 2025 | $721.6M | $623.2M | $486.8M | $76.6M | $14.4M | 1.97% | 4.11% | 0.23% |
| Q3 2025 | $739.1M | $635.4M | $487.1M | $73.6M | $10.8M | 1.97% | 4.05% | 0.23% |
| Q2 2025 | $745.8M | $644.6M | $470.3M | $69.9M | $7.0M | 1.92% | 3.96% | 0.19% |
| Q1 2025 | $739.8M | $639.2M | $466.6M | $67.8M | $3.1M | 1.74% | 3.83% | 0.27% |
| Q4 2024 | $705.9M | $615.4M | $464.0M | $63.4M | $11.8M | 1.69% | 3.87% | 0.28% |
| Q3 2024 | $711.6M | $614.7M | $450.2M | $65.6M | $8.8M | 1.70% | 3.84% | 0.31% |
Loan mix (Q2 2026): real estate $445.6M · commercial $22.6M · consumer $13.2M · securities $187.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 12.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 61.2% | 22nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 7 counties across 1 state (+0 vs 2024) · $644.6M branch deposits. Biggest market: Phelps, MO, ranked 3rd with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Phelps, MO | 3 | $179.6M | 12.21% | 3rd |
| Dent, MO | 2 | $124.2M | 37.81% | 2nd |
| Douglas, MO | 1 | $80.5M | 31.49% | 1st |
| 4 more counties with Pro → | ||||
Missouri: 70th with 0.23% · St. Louis metro: 118th, 0.02% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10