Side-by-side · Q2 2026 data
Town & Country Bank and Trust Company vs Old Kentucky Home Federal Credit Union
Credit union
Old Kentucky Home Federal Credit Union
Bardstown, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Town & Country Bank and Trust Company | Old Kentucky Home Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 77 (stronger) | 72 |
| Loan quality | 86 (stronger) | 82 |
| Earnings | 79 (stronger) | 32 |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 82nd | 40th |
| Total assets | $433.7M | $19.8M |
| Deposits / shares | $378.0M | $17.4M |
| Capital ratio | 12.75% (stronger) | 12.16% |
| Problem loans | 0.42% (stronger) | 0.55% |
| Net charge-offs | 0.01% | -0.09% (stronger) |
| Return on assets | 1.47% (stronger) | 0.30% |
| Loans ÷ deposits | 74.8% (stronger) | 79.6% |
| Uninsured deposits | 17.1% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town & Country Bank and Trust Company has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank and Trust Company leads on 5 and Old Kentucky Home Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.