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.
FDIC Call Report plate
Cert 15703 · KY A · 83/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL
- GRADE-A A (83/100)
- MID-PACK #1634/4307
- PHOTO-FINISH Mid-Missouri Bank · MO
- TIER1-WELL 12.7% Tier 1
- TEXAS-CLEAN 2.0% Texas
- ROA-STRONG 1.49% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: Mid-Missouri Bank, MO (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Town & Country Bank and Trust Company
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What Town & Country Bank and Trust Company's Call Report plate shows
Town & Country Bank and Trust Company (FDIC Cert #15703) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,634 of 4,307. Tier 1 capital prints at 12.69%, clearing the 10% well-capitalized line. The Texas Ratio is 2.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.49%. Balance-sheet scale is $422M, 2,015th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mid-Missouri Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Town & Country Bank and Trust Company
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
Town & Country Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Town & Country Bank and Trust Company remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
83 Top 38% higher than 62% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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 ratios for Town & Country Bank and Trust Company
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
Earnings posture at Town & Country Bank and Trust Company
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
13.03%
Efficiency Ratio
62.57%
Income & expense at Town & Country Bank and Trust Company
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($422M here), outside Kentucky so the neighborhood is not state containment.
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.
Town & Country Bank and Trust Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |