Total Assets
$232M
Total balance-sheet footings
FDIC Cert #57312 · Las Vegas, Nevada · Est. 2002
Town & Country Bank - FDIC Bank Health Profile
A community-scale look at Town & Country Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $232M
- Total assets
- A
- Health grade · Excellent
- 2.37%
- Return on assets
- 13.7%
- Tier 1 capital
Data updated July 2026
The verdict
Town & Country Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.70% Tier 1, profitable at 2.37% ROA, efficient (49% cost ratio).
- #2,839
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 13.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Town & Country Bank's 95/100 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's composite health score
Tier 1 Capital Ratio (13.70%) 35/40
Return on Assets (ROA) (2.37%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (48.75%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$202M
Customer-funded liabilities
Net Loans
$163M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Town & Country Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Town & Country Bank's score of 95/100 falls in the highlighted band.
Town & Country Bank'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's $232M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.70%
Texas Ratio
0.00%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.37%
Return on Equity (ROE)
16.75%
Efficiency Ratio
48.75%
What the numbers say about Town & Country Bank
Town & Country Bank is an FDIC-insured institution (Certificate #57312) headquartered in Las Vegas, Nevada, established in 2002. It holds $232M in total assets - 2,839th of 4,313 FDIC-insured banks, $202M in customer deposits, and $163M in net loans. Capital-wise, the Tier 1 ratio sits at 13.70%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 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 sits 11th of 15 banks headquartered in Nevada by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$92K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Town & Country Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Town & Country Bank (FDIC Cert #57312) - 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 Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Toyota Financial Savings BankHenderson | $15.4B | B | 0.30% |
| Beal Bank USALas Vegas | $14.5B | A | 0.63% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |
Frequently asked questions
What is Town & Country Bank's health grade?▼
Town & Country Bank receives a health grade of A (95/100) 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?▼
Town & Country Bank holds $232M in total assets and $202M in deposits, ranking 2,839th of 4,313 FDIC-insured banks by asset size. It is headquartered in Las Vegas, Nevada.
Is my money safe at Town & Country Bank?▼
Yes, deposits at Town & Country Bank (Certificate #57312) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Town & Country Bank's Tier 1 Capital Ratio?▼
Town & Country Bank has a Tier 1 Capital Ratio of 13.70%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Town & Country Bank?▼
Town & Country Bank has a Texas Ratio of 0.00%. 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?▼
Town & Country Bank has an Efficiency Ratio of 48.75%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Town & Country Bank's profile as a depositor or analyst.
- Town & Country Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Town & Country Bank against other Nevada banks before moving funds. Nevada 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.