What is Town & Country Bank and Trust Company's financial health grade?

Town & Country Bank and Trust Company has a TFS Financial Health Grade of C- (score: 72.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Town & Country Bank and Trust Company have?

Town & Country Bank and Trust Company has 5 branch locations across the United States.

Is Town & Country Bank and Trust Company FDIC insured?

Yes, Town & Country Bank and Trust Company is FDIC insured (Certificate #15703).

What are the total assets of Town & Country Bank and Trust Company?

Town & Country Bank and Trust Company has total assets of $421.9M as reported in its most recent FDIC filing.

Town & Country Bank and Trust Company

BankBardstown, Kentucky

www.mytcbt.bank

Total Assets

$421.9M

Total Deposits

$368.7M

Branches

Established

1907

TFS Health Grade

C-

72.0 / 100

Average financial health

How we grade

Town & Country Bank and Trust Company is a bank headquartered in Bardstown, Kentucky, established in 1907. With $421.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio

12.69%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.39%

Profitability

Return on Assets (ROA)

1.49%(1%)

Return on Equity (ROE)

13.03%(10%)

Net Interest Margin

4.38%

Efficiency Ratio

62.57%(60%)

Lending & Liquidity

Total Loans

$277.7M

Loan-to-Deposit Ratio

74.49%

Net Charge-Off Ratio

-0.07%

Growth

Asset Growth (YoY)

-1.30%

Deposit Growth (YoY)

+2.60%

Net Income

$6.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Town & Country Bank and Trust CompanyHQ	201 N 3rd St	Bardstown	KY	11
Town & Country Bank and Trust Company	237 Nelson Plaza	Bardstown	KY	11
Town & Country Bank and Trust Company	90 W John Rowan Blvd	Bardstown	KY	11
Town & Country Bank and Trust Company	1102 Bypass S	Lawrenceburg	KY	11
Town & Country Bank and Trust Company	148 S Main St	New Haven	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.