Total Assets
$722M
Total balance-sheet footings
FDIC Cert #13071 · Salem, Missouri · Est. 1894
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.
- $722M
- Total assets
- A
- Health grade · Excellent
- 1.97%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
Town & Country Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 18.63% Tier 1, profitable at 1.97% ROA, efficient (56% cost ratio).
- #1,354
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 18.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Town & Country Bank's 97/100 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 (18.63%) 40/40
Return on Assets (ROA) (1.97%) 25/25
Texas Ratio (2.03%) 20/20
Efficiency Ratio (56.07%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$623M
Customer-funded liabilities
Net Loans
$487M
Outstanding loan book
Net Income
$14M
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 97/100 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 $722M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.63%
Texas Ratio
2.03%
Equity Capital
$77M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.97%
Return on Equity (ROE)
20.53%
Efficiency Ratio
56.07%
What the numbers say about Town & Country Bank
Town & Country Bank is an FDIC-insured institution (Certificate #13071) headquartered in Salem, Missouri, established in 1894. It holds $722M in total assets - 1,354th of 4,313 FDIC-insured banks, $623M in customer deposits, and $487M in net loans. Capital-wise, the Tier 1 ratio sits at 18.63%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.03%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (97 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 53rd of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$38M
Interest Income
$6M
Non-Interest Income
$19M
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 2.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Town & Country Bank (FDIC Cert #13071) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Town & Country Bank's health grade?▼
Town & Country Bank receives a health grade of A (97/100) 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 $722M in total assets and $623M in deposits, ranking 1,354th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salem, Missouri.
Is my money safe at Town & Country Bank?▼
Yes, deposits at Town & Country Bank (Certificate #13071) 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 18.63%. 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 2.03%. 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 56.07%. 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 Missouri banks before moving funds. Missouri 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.