Total Assets
$422M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Town & Country Bank and Trust Company — FDIC Bank Health Profile
Bardstown, Kentucky · Est. 1907. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #15703 Chicago Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — Town & Country Bank and Trust Company
Total Deposits
$369M
Customer-funded liabilities
Net Loans
$275M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$51M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.49%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
13.03%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
62.57%
Income & Expense Breakdown
$20M
Interest Income
$4M
Non-Interest Income
$14M
Non-Interest Expense
FDIC Deposit Insurance
Town & Country Bank and Trust Company is FDIC-insured (Certificate #15703). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Town & Country Bank and Trust Company
Town & Country Bank and Trust Company is an FDIC-insured institution (Certificate #15703) headquartered in Bardstown, Kentucky, established in 1907. The bank currently holds $422M in total assets and $369M in customer deposits, with $275M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Town & Country Bank and Trust Company reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $51M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.49% and a Return on Equity of 13.03%, with an Efficiency Ratio of 62.57% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Town & Country Bank and Trust Company is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Kentucky by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Town & Country Bank and Trust Company (FDIC Cert #15703) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust Company Louisville | $9.5B | B | 1.57% |
| Republic Bank & Trust Company Louisville | $7.0B | B | 1.89% |
| Community Trust Bank, Inc. Pikeville | $6.6B | D | 1.50% |
| Central Bank & Trust Co. Lexington | $3.9B | C | 1.16% |
| Independence Bank of Kentucky Owensboro | $3.8B | C | 0.80% |
| Traditional Bank, Inc. Mount Sterling | $2.5B | C | 0.80% |
| Heritage Bank, Inc. Burlington | $2.1B | C | 1.08% |
| South Central Bank, Inc. Glasgow | $2.1B | B | 1.25% |
Frequently Asked Questions
What is Town & Country Bank and Trust Company's health grade? ▼
Town & Country Bank and Trust Company receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Town & Country Bank and Trust Company? ▼
Town & Country Bank and Trust Company holds $422M in total assets and $369M in deposits. It is headquartered in Bardstown, Kentucky.
Is my money safe at Town & Country Bank and Trust Company? ▼
Yes. Town & Country Bank and Trust Company is FDIC-insured (Certificate #15703). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Town & Country Bank and Trust Company's Tier 1 Capital Ratio? ▼
Town & Country Bank and Trust Company has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Town & Country Bank and Trust Company? ▼
Town & Country Bank and Trust Company has an Efficiency Ratio of 62.57%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.