Headquartered in Salem, Missouri, Town & Country Bank is a state-chartered bank (fed member) with $747.7M in total assets and $642.2M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1894.
Based on its Q2 2026 filing, Town & Country Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 16th. Its strongest component is earnings (100/100; 2.53%), and its lowest is capital cushion (74/100; 12.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (84 → 86), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 81 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.97% |
| Q3 2024 | 11.00% |
| Q4 2024 | 11.25% |
| Q1 2025 | 11.31% |
| Q2 2025 | 11.32% |
| Q3 2025 | 11.56% |
| Q4 2025 | 12.02% |
| Q1 2026 | 12.27% |
| Q2 2026 | 12.37% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.69% |
| Q1 2025 | 1.74% |
| Q2 2025 | 1.92% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.97% |
| Q1 2026 | 2.82% |
| Q2 2026 | 2.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $747.7M | 12.37% | 0.35% | 2.53% | 77.3% |
| Q1 2026 | 86 | $760.8M | 12.27% | 0.38% | 2.82% | 74.1% |
| Q4 2025 | 85 | $721.6M | 12.02% | 0.34% | 1.97% | 78.1% |
| Q3 2025 | 84 | $739.1M | 11.56% | 0.34% | 1.97% | 76.7% |
| Q2 2025 | 84 | $745.8M | 11.32% | 0.27% | 1.92% | 73.0% |
| Q1 2025 | 81 | $739.8M | 11.31% | 0.42% | 1.74% | 73.0% |
| Q4 2024 | 80 | $705.9M | 11.25% | 0.40% | 1.69% | 75.4% |
| Q3 2024 | 79 | $711.6M | 11.00% | 0.43% | 1.70% | 73.2% |
| Q2 2024 | 79 | $695.0M | 10.97% | 0.41% | 1.64% | 72.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| HomeBankBank Palmyra, MO | 74 out of 100, Strong | $733.3M | 9.6% | 0.29% | vs |
| First Midwest Bank of the OzarksBank Poplar Bluff, MO | 69 out of 100, Moderate | $733.2M | 10.8% | 1.00% | vs |
| West Plains Bank and Trust CompanyBank West Plains, MO | 70 out of 100, Strong | $767.9M | 8.3% | 0.45% | vs |
| MRV BanksBank Sainte Genevieve, MO | 43 out of 100, Below average | $803.1M | 11.5% | 5.72% | vs |
| CNB St Louis BankBank Maplewood, MO | 65 out of 100, Moderate | $812.9M | 9.3% | 0.57% | vs |
Deposit insurance
Is my money safe at Town & Country Bank?
Yes. Town & Country Bank is an FDIC-insured institution (FDIC certificate #13071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.2% of deposits ($91.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.65% (benchmark: 10%).
10 locations
Branches
Town & Country Bank lists 10 offices in 8 cities. Most locations:
- Rolla, MO (2)
- Salem, MO (2)
- Ava, MO (1)
- Bourbon, MO (1)
- Licking, MO (1)
- Mountain Grove, MO (1)
- Pevely, MO (1)
- St. James, MO (1)
HMDA 2025
Mortgage lending
In 2025, Town & Country Bank reported 296 home-loan applications under HMDA (LEI 254900YOL8EJ9NBHIE43): 240 originated ($46,690,000 total), 24 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Town & Country Bank
- Former names
- Dent County Bank; Dent County Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13071
- RSSD ID
- 487357
- Primary regulator
- FED
- Holding company
- Town&country Bancshares Inc
- Established
- January 1, 1894
- Headquarters
- 1009 E. Scenic Rivers Blvd., Salem, MO 65560
- Website
- www.tcbanks.com
- Employees
- 143
Quick answers
Town & Country Bank: common questions
Is Town & Country Bank FDIC insured?
Yes. Town & Country Bank is an FDIC-insured institution (FDIC certificate #13071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Town & Country Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Town & Country Bank ever failed?
There is no failure record for FDIC certificate #13071 in the FDIC failed bank list.
How many branches does Town & Country Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO | 72 out of 100, Strong | $456.9M | 10.5% | 0.36% | vs |
| Bank of SalemBank Salem, MO | 65 out of 100, Moderate | $147.0M | 9.5% | 0.71% | vs |
| Riverways Federal Credit UnionCredit union Rolla, MO | 57 out of 100, Moderate | $136.7M | 8.4% | 1.14% | vs |