Town & Country Bank Midwest (FDIC certificate #10460) is based in Quincy, Illinois. Its Q2 2026 call report shows $279.3M in total assets and $237.0M in deposits and 6 offices across 2 states.
Town & Country Bank Midwest has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 11th. Earnings contributes the most (100/100, 3.19%); funding & liquidity contributes the least (63/100, 86% loans-to-deposits, 24% uninsured).
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 5 points (87 → 92), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 85 |
| Q4 2024 | 87 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 91 |
| Q1 2026 | 90 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.94% |
| Q3 2024 | 13.63% |
| Q4 2024 | 13.07% |
| Q1 2025 | 13.20% |
| Q2 2025 | 13.66% |
| Q3 2025 | 14.15% |
| Q4 2025 | 14.38% |
| Q1 2026 | 14.58% |
| Q2 2026 | 14.89% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.80% |
| Q3 2024 | 2.84% |
| Q4 2024 | 2.43% |
| Q1 2025 | 3.16% |
| Q2 2025 | 3.36% |
| Q3 2025 | 3.41% |
| Q4 2025 | 3.04% |
| Q1 2026 | 3.28% |
| Q2 2026 | 3.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $279.3M | 14.89% | 0.15% | 3.19% | 86.5% |
| Q1 2026 | 90 | $286.6M | 14.58% | 0.27% | 3.28% | 81.2% |
| Q4 2025 | 91 | $283.7M | 14.38% | 0.11% | 3.04% | 80.7% |
| Q3 2025 | 88 | $219.1M | 14.15% | 0.05% | 3.41% | 93.0% |
| Q2 2025 | 87 | $215.0M | 13.66% | 0.11% | 3.36% | 91.5% |
| Q1 2025 | 87 | $222.0M | 13.20% | 0.00% | 3.16% | 84.7% |
| Q4 2024 | 87 | $222.6M | 13.07% | 0.00% | 2.43% | 81.7% |
| Q3 2024 | 85 | $212.4M | 13.63% | 0.23% | 2.84% | 88.5% |
| Q2 2024 | 82 | $214.2M | 12.94% | 0.39% | 2.80% | 83.6% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SouthernTrust BankBank Marion, IL | 47 out of 100, Below average | $278.5M | 10.2% | 2.59% | vs |
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| Goodfield State BankBank Goodfield, IL | 57 out of 100, Moderate | $285.5M | 10.6% | 2.59% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| North Shore Trust and SavingsBank Waukegan, IL | 74 out of 100, Strong | $270.3M | 25.2% | 1.87% | vs |
Deposit insurance
Is my money safe at Town & Country Bank Midwest?
Yes. Town & Country Bank Midwest is an FDIC-insured institution (FDIC certificate #10460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.4% of deposits ($57.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.89%, 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%).
6 locations
Branches
Town & Country Bank Midwest lists 5 offices in 5 cities across 2 states. Most locations:
- La Belle, MO (1)
- La Grange, MO (1)
- Lima, IL (1)
- Quincy, IL (1)
- Warsaw, IL (1)
Identity & history
Profile
- Legal name
- Town & Country Bank Midwest
- Former names
- South Side Bank of Quincy; Town and Country Bank of Quincy
- Type
- State-chartered bank
- FDIC certificate #
- 10460
- RSSD ID
- 349343
- Primary regulator
- FDIC
- Holding company
- R Dean Phillips Bk Tr Dated 11-19-2004
- Established
- January 1, 1910
- Headquarters
- 524 N 30th St, Quincy, IL 62301
- Website
- www.tcbankmidwest.com
- Employees
- 47
Quick answers
Town & Country Bank Midwest: common questions
Is Town & Country Bank Midwest FDIC insured?
Yes. Town & Country Bank Midwest is an FDIC-insured institution (FDIC certificate #10460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Town & Country Bank Midwest's TellerScore?
92 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 Midwest ever failed?
There is no failure record for FDIC certificate #10460 in the FDIC failed bank list.
How many branches does Town & Country Bank Midwest have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Quincy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members "first" Community Credit UnionCredit union Quincy, IL | 92 out of 100, Very strong | $111.6M | 25.4% | 0.03% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| United Community Credit UnionCredit union Quincy, IL | 84 out of 100, Strong | $134.1M | 15.4% | 0.40% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |