Side-by-side · Q2 2026 data
Town & Country Bank vs First Bank and Trust Company
Metric by metric
| Measure | Town & Country Bank | First Bank and Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 78 |
| Capital cushion | 91 (stronger) | 55 |
| Loan quality | 100 | 100 |
| Earnings | 87 (stronger) | 60 |
| Funding & liquidity | 81 | 95 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 97th | 60th |
| Total assets | $228.9M | $91.2M |
| Deposits / shares | $194.1M | $66.3M |
| Capital ratio | 14.09% (stronger) | 10.55% |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.69% (stronger) | 1.01% |
| Loans ÷ deposits | 78.4% | 65.3% (stronger) |
| Uninsured deposits | 15.4% | 10.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town & Country Bank has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 3 and First Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.