Total Assets
$284M
Total balance-sheet footings
FDIC Cert #10460 · Quincy, Illinois · Est. 1910
Town & Country Bank Midwest - FDIC Bank Health Profile
A community-scale look at Town & Country Bank Midwest's own numbers, pulled straight from its quarterly FDIC Call Report.
- $284M
- Total assets
- A
- Health grade · Excellent
- 3.04%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Town & Country Bank Midwest earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.38% Tier 1, profitable at 3.04% ROA, efficient (45% cost ratio).
- #2,580
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 14.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- 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 Midwest'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 Midwest's composite health score
Tier 1 Capital Ratio (14.38%) 35/40
Return on Assets (ROA) (3.04%) 25/25
Texas Ratio (0.53%) 20/20
Efficiency Ratio (45.46%) 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
$243M
Customer-funded liabilities
Net Loans
$196M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Town & Country Bank Midwest ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Town & Country Bank Midwest's score of 95/100 falls in the highlighted band.
Town & Country Bank Midwest'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 Midwest's $284M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.38%
Texas Ratio
0.53%
Equity Capital
$40M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
3.04%
Return on Equity (ROE)
22.02%
Efficiency Ratio
45.46%
What the numbers say about Town & Country Bank Midwest
Town & Country Bank Midwest is an FDIC-insured institution (Certificate #10460) headquartered in Quincy, Illinois, established in 1910. It holds $284M in total assets - 2,580th of 4,313 FDIC-insured banks, $243M in customer deposits, and $196M in net loans. On safety, its Tier 1 capital ratio of 14.38% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.53% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Town & Country Bank Midwest ranks 162nd of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Town & Country Bank Midwest reports a Texas Ratio of 0.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Town & Country Bank Midwest (FDIC Cert #10460) - 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 Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Town & Country Bank Midwest's health grade?▼
Town & Country Bank Midwest 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 Midwest?▼
Town & Country Bank Midwest holds $284M in total assets and $243M in deposits, ranking 2,580th of 4,313 FDIC-insured banks by asset size. It is headquartered in Quincy, Illinois.
Is my money safe at Town & Country Bank Midwest?▼
Yes, deposits at Town & Country Bank Midwest (Certificate #10460) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Town & Country Bank Midwest's Tier 1 Capital Ratio?▼
Town & Country Bank Midwest has a Tier 1 Capital Ratio of 14.38%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Town & Country Bank Midwest?▼
Town & Country Bank Midwest has a Texas Ratio of 0.53%. A ratio below 50% is generally considered 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 Midwest?▼
Town & Country Bank Midwest has an Efficiency Ratio of 45.46%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Town & Country Bank Midwest's profile as a depositor or analyst.
- Town & Country Bank Midwest's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Town & Country Bank Midwest against other Illinois banks before moving funds. Illinois 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.