Town&Country Bank (FDIC #13071): Bank Stress & Real-Estate Credit Exposure
Town&Country Bank (FDIC Cert #13071): bank stress 37/100, contained, STABLE over 7 days; parent TOWN&COUNTRY BANCSHARES INC.
Town&Country Bank (#13071) lends in 7 counties across 1 state; Town&Country Bank (#13071) reaches 87 ZIP codes: Missouri 7 counties, 87 ZIPs.
Town&Country Bank (#13071) largest markets: Jefferson County, MO (25 branches, 25 ZIPs) (#13071), Texas County, MO (21 branches, 21 ZIPs) (#13071), Douglas County, MO (16 branches, 16 ZIPs) (#13071), Crawford County, MO (13 branches, 13 ZIPs) (#13071), Phelps County, MO (36 branches, 12 ZIPs) (#13071), Wright County, MO (11 branches, 11 ZIPs) (#13071).
Town&Country Bank (#13071) reports $747.7 million in total assets; Town&Country Bank (#13071) equity $81.3 million (10.9% of Town&Country Bank (#13071) assets); Town&Country Bank (#13071) domestic deposits $642.2 million; Town&Country Bank (#13071) net income $9.4 million; Town&Country Bank (#13071) return on assets 2.53%; Town&Country Bank (#13071) return on equity 23.76%; Town&Country Bank (#13071) net interest income $15.0 million; Town&Country Bank (#13071) call report June 30, 2026.
Town&Country Bank (#13071) noncurrent real-estate loans: none reported; Town&Country Bank (#13071) net charge-offs on real estate 0.38%; Town&Country Bank (#13071) multifamily charge-offs 0.73%; Town&Country Bank (#13071) residential charge-offs 0.23%.
Town&Country Bank (#13071) net interest margin 4.27% against an eight-quarter Town&Country Bank (#13071) average of 4.02% (Town&Country Bank (#13071) compression -0.26 points); Town&Country Bank (#13071) non-residential real estate 22.9% of equity; Town&Country Bank (#13071) rate-exposure score 40/100, Town&Country Bank (#13071) fixed-rate trap 40/100; Town&Country Bank (#13071) risk type rate trapped; Town&Country Bank (#13071) rate regime rates elevated, Town&Country Bank (#13071) snapshot October 20, 2026.
Town&Country Bank (#13071) stress score moved from 37 on June 22, 2026 to 36.9 on October 20, 2026; Town&Country Bank (#13071) ranged 36.9 to 37 over 117 snapshots.
Town&Country Bank (#13071) alerts: 7 counties; top Town&Country Bank (#13071) alert scores: Ava County, MO 15 (low); Bourbon County, MO 15 (low); Licking County, MO 15 (low); Mountain Grove County, MO 15 (low); Pevely County, MO 15 (low).