Total Assets
$422M
Total balance-sheet footings
FDIC Cert #15703 · Bardstown, Kentucky · Est. 1907
Town & Country Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Town & Country Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $422M
- Total assets
- A
- Health grade · Excellent
- 1.49%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
Town & Country Bank and Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.69% Tier 1, profitable at 1.49% ROA, 63% efficiency ratio.
- #2,015
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 12.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Town & Country Bank and Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Town & Country Bank and Trust Company's composite health score
Tier 1 Capital Ratio (12.69%) 35/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (2.01%) 20/20
Efficiency Ratio (62.57%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$369M
Customer-funded liabilities
Net Loans
$275M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Town & Country Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Town & Country Bank and Trust Company's score of 83/100 falls in the highlighted band.
Town & Country Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Town & Country Bank and Trust Company's $422M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.69%
Texas Ratio
2.01%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
13.03%
Efficiency Ratio
62.57%
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. It holds $422M in total assets - 2,015th of 4,313 FDIC-insured banks, $369M in customer deposits, and $275M in net loans. Its capital position: a Tier 1 ratio of 12.69%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.01% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Town & Country Bank and Trust Company sits 48th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$4M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Town & Country Bank and Trust Company reports a Texas Ratio of 2.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Town & Country Bank and Trust Company (FDIC Cert #15703) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 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 A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Town & Country Bank and Trust Company?▼
Town & Country Bank and Trust Company holds $422M in total assets and $369M in deposits, ranking 2,015th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bardstown, Kentucky.
Is my money safe at Town & Country Bank and Trust Company?▼
Yes, deposits at Town & Country Bank and Trust Company (Certificate #15703) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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 12.69%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Town & Country Bank and Trust Company?▼
Town & Country Bank and Trust Company has a Texas Ratio of 2.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Town & Country Bank and Trust Company?▼
Town & Country Bank and Trust Company has an Efficiency Ratio of 62.57%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Town & Country Bank and Trust Company's profile as a depositor or analyst.
- Town & Country Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Town & Country Bank and Trust Company against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.