Town Center Bank (FDIC certificate #58214) is based in Frankfort, Illinois. Its Q2 2026 call report shows $180.6M in total assets and $138.3M in deposits and 2 offices.
Based on its Q2 2026 filing, Town Center Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 222nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (30/100; 0.25%).
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 7 points (72 → 65), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 50 |
| Q4 2025 | 51 |
| Q1 2026 | 50 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.45% |
| Q3 2024 | 10.87% |
| Q4 2024 | 11.03% |
| Q1 2025 | 10.81% |
| Q2 2025 | 11.39% |
| Q3 2025 | 11.62% |
| Q4 2025 | 11.54% |
| Q1 2026 | 11.38% |
| Q2 2026 | 11.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 2.36% |
| Q4 2025 | 2.27% |
| Q1 2026 | 2.23% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $180.6M | 11.38% | 0.00% | 0.25% | 101.7% |
| Q1 2026 | 50 | $174.7M | 11.38% | 2.23% | 0.70% | 100.5% |
| Q4 2025 | 51 | $179.4M | 11.54% | 2.27% | 0.92% | 97.4% |
| Q3 2025 | 50 | $169.2M | 11.62% | 2.36% | 0.89% | 104.1% |
| Q2 2025 | 72 | $162.4M | 11.39% | 0.00% | 0.82% | 102.3% |
| Q1 2025 | 71 | $168.5M | 10.81% | 0.00% | 0.80% | 88.5% |
| Q4 2024 | 73 | $165.3M | 11.03% | 0.00% | 0.97% | 93.4% |
| Q3 2024 | 72 | $164.2M | 10.87% | 0.00% | 0.95% | 93.5% |
| Q2 2024 | 72 | $153.7M | 11.45% | 0.00% | 0.95% | 102.7% |
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 |
|---|---|---|---|---|---|
| State Bank of WhittingtonBank Benton, IL | 51 out of 100, Below average | $180.1M | 11.5% | 4.43% | vs |
| First National Bank of NokomisBank Nokomis, IL | 73 out of 100, Strong | $181.9M | 10.9% | 0.96% | vs |
| Union Savings BankBank Freeport, IL | 66 out of 100, Moderate | $182.0M | 9.5% | 0.27% | vs |
| United Trust BankBank Palos Heights, IL | 65 out of 100, Moderate | $178.2M | 10.0% | 0.43% | vs |
| La Salle State BankBank La Salle, IL | 68 out of 100, Moderate | $183.2M | 8.9% | 0.16% | vs |
| State Bank of BementBank Bement, IL | 67 out of 100, Moderate | $185.6M | 10.2% | 0.54% | vs |
Deposit insurance
Is my money safe at Town Center Bank?
Yes. Town Center Bank is an FDIC-insured institution (FDIC certificate #58214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.3% of deposits ($33.5M) 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 11.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.16% (benchmark: 10%).
2 locations
Branches
Town Center Bank lists 2 offices in 2 cities. Most locations:
- Frankfort, IL (1)
- New Lenox, IL (1)
Identity & history
Profile
- Legal name
- Town Center Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58214
- RSSD ID
- 3459216
- Primary regulator
- FDIC
- Holding company
- Tc Financial Holdings Inc
- Established
- September 18, 2006
- Headquarters
- 20181 S Lagrange Rd, Frankfort, IL 60423
- Website
- www.towncenterbank.net
- Employees
- 24
Quick answers
Town Center Bank: common questions
Is Town Center Bank FDIC insured?
Yes. Town Center Bank is an FDIC-insured institution (FDIC certificate #58214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Town Center Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Town Center Bank ever failed?
There is no failure record for FDIC certificate #58214 in the FDIC failed bank list.
How many branches does Town Center Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Frankfort
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |