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Town & Country Bank And Trust Company
Bardstown, KY · FDIC Certificate #15703 · Chartered 09/0
Total assets
$433.68M
Total deposits
$378.05M
Total equity
$52.65M
Net loans
$282.89M
Branches (offices)
5
Net income (YTD)
$3.15M
Rank: #1,955 of 4,213 U.S. banks by assets · #48 of 120 in Kentucky. Assets changed 4.5% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 12.22% |
| Net interest margin (YTD) | 4.59% |
| Equity to assets | 12.14% |
| Tier 1 leverage ratio | 12.75% |
| Uninsured deposits (share of deposits) | 17.1% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $258.32M | 91.3% | |
| Commercial & industrial | $21.87M | 7.7% | |
| Consumer / individual | $4.78M | 1.7% | |
| Construction & development | $31.68M | 11.2% | |
| Agricultural | $677.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $433.50M | $393.85M | $1.78M | $37.80M |
| Jun 2023 | $438.21M | $354.77M | $2.38M | $38.59M |
| Jun 2024 | $428.75M | $351.03M | $2.14M | $42.62M |
| Jun 2025 | $415.00M | $364.74M | $3.08M | $47.72M |
| Jun 2026 | $433.68M | $378.05M | $3.15M | $52.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $378.05M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $378.05M.
Similar-sized banks
Foresight Bank ($433.79M) · Bankers' Bank Of The West ($433.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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