Town & Country Bank Midwest: how it compares with its peers
Against 141 IL banks with half to twice its assets, Town & Country Bank Midwest's strongest measure in Q2 2026 is return on assets (3.19% vs. a 1.19% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $6.7M).
| Measure | Town & Country Bank Midwest | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.19% | 1.19% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.20% | 3.73% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.63% | 64.64% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.7M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.47% | 75.57% | Context |
What it means for lending operations
Its efficiency ratio of 40.63% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- SouthernTrust Bank Marion, IL · $278M
- First National Bank of Steeleville Steeleville, IL · $275M
- Goodfield State Bank Goodfield, IL · $286M
- Bank of Rantoul Rantoul, IL · $286M
- The Farmers and Merchants National Bank of Nashville Nashville, IL · $270M
- North Shore Trust and Savings Waukegan, IL · $270M
Questions about Town & Country Bank Midwest
How big is Town & Country Bank Midwest?
Town & Country Bank Midwest, established in 1910, is headquartered in Quincy, IL. It reported $279M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Town & Country Bank Midwest's return on assets?
3.19% annualized in Q2 2026, against a 1.19% median for 141 IL banks with half to twice its assets, ahead of 100% of them.
What is Town & Country Bank Midwest's efficiency ratio?
40.63% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Town & Country Bank Midwest growing its loans?
Net loans grew 22.2% over the year to Q2 2026, while deposits grew 29.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.