Town & Country Bank: how it compares with its peers
Against 62 MO banks with half to twice its assets, Town & Country Bank's strongest measure in Q2 2026 is return on assets (2.53% vs. a 1.60% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.9M).
| Measure | Town & Country Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.53% | 1.60% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 4.16% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.88% | 55.25% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.9M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.29% | 89.60% | Context |
What it means for lending operations
Its efficiency ratio of 51.88% is better than the 55.25% 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
- Peoples Community Bank Greenville, MO · $735M
- HomeBank Palmyra, MO · $733M
- First Midwest Bank of the Ozarks Poplar Bluff, MO · $733M
- West Plains Bank and Trust Company West Plains, MO · $768M
- MRV Banks Sainte Genevieve, MO · $803M
- CNB St Louis Bank Maplewood, MO · $813M
Questions about Town & Country Bank
How big is Town & Country Bank?
Town & Country Bank, established in 1894, is headquartered in Salem, MO. It reported $748M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Town & Country Bank's return on assets?
2.53% annualized in Q2 2026, against a 1.60% median for 62 MO banks with half to twice its assets, ahead of 90% of them.
What is Town & Country Bank's efficiency ratio?
51.88% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 55.25%, and lower is better.
Is Town & Country Bank growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits shrank 0.4%.
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 MO 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 Missouri bank ranked.