Town & Country Bank and Trust Company (FDIC certificate #15703) is based in Bardstown, Kentucky. Its Q2 2026 call report shows $433.7M in total assets and $378.0M in deposits and 5 offices.
Based on its Q2 2026 filing, Town & Country Bank and Trust Company scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 18th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (77/100; 12.75%).
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 fell 2 points (84 → 82), mostly because the loan quality component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 81 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 79 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.33% |
| Q3 2024 | 11.62% |
| Q4 2024 | 11.87% |
| Q1 2025 | 12.43% |
| Q2 2025 | 12.44% |
| Q3 2025 | 12.72% |
| Q4 2025 | 12.69% |
| Q1 2026 | 12.69% |
| Q2 2026 | 12.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $433.7M | 12.75% | 0.42% | 1.47% | 74.8% |
| Q1 2026 | 79 | $432.1M | 12.69% | 0.41% | 1.27% | 73.8% |
| Q4 2025 | 83 | $421.9M | 12.69% | 0.39% | 1.49% | 74.5% |
| Q3 2025 | 84 | $416.0M | 12.72% | 0.29% | 1.52% | 76.2% |
| Q2 2025 | 84 | $415.0M | 12.44% | 0.23% | 1.47% | 74.6% |
| Q1 2025 | 84 | $419.9M | 12.43% | 0.18% | 1.52% | 74.0% |
| Q4 2024 | 81 | $427.4M | 11.87% | 0.04% | 1.12% | 76.7% |
| Q3 2024 | 79 | $417.4M | 11.62% | 0.02% | 1.08% | 81.1% |
| Q2 2024 | 78 | $428.7M | 11.33% | 0.02% | 0.99% | 78.6% |
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Morgantown Bank & Trust Company, IncorporatedBank Morgantown, KY | 63 out of 100, Moderate | $439.7M | 8.2% | 0.24% | vs |
| Cumberland Security Bank, Inc.Bank Somerset, KY | 87 out of 100, Very strong | $420.1M | 14.1% | 0.16% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Bank of Lexington, Inc.Bank Lexington, KY | 74 out of 100, Strong | $410.8M | 11.5% | 0.01% | vs |
| Meade County BankBank Brandenburg, KY | 65 out of 100, Moderate | $458.4M | 8.8% | 0.19% | vs |
| United Cumberland BankBank Whitley City, KY | 71 out of 100, Strong | $460.2M | 11.5% | 1.39% | vs |
Deposit insurance
Is my money safe at Town & Country Bank and Trust Company?
Yes. Town & Country Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($64.7M) 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 12.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Town & Country Bank and Trust Company lists 5 offices in 3 cities. Most locations:
- Bardstown, KY (3)
- Lawrenceburg, KY (1)
- New Haven, KY (1)
Identity & history
Profile
- Legal name
- Town & Country Bank and Trust Company
- Former names
- Farmers Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 15703
- RSSD ID
- 692946
- Primary regulator
- FDIC
- Holding company
- First Farmers Bank Holding Co
- Established
- September 9, 1907
- Headquarters
- 201 N 3rd St, Bardstown, KY 40004
- Website
- www.mytcbt.bank
- Employees
- 87
Quick answers
Town & Country Bank and Trust Company: common questions
Is Town & Country Bank and Trust Company FDIC insured?
Yes. Town & Country Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Town & Country Bank and Trust Company's TellerScore?
82 out of 100 (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 and Trust Company ever failed?
There is no failure record for FDIC certificate #15703 in the FDIC failed bank list.
How many branches does Town & Country Bank and Trust Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bardstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |
| The Farmers National Bank of LebanonBank Lebanon, KY | 77 out of 100, Strong | $163.0M | 10.7% | 0.00% | vs |