Town & Country Bank and Trust Company: how it compares with its peers
Against 59 KY banks with half to twice its assets, Town & Country Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.59% vs. a 3.93% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.29% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.59% | 3.93% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.58% | 58.31% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.0M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.83% | 84.11% | Context |
What it means for lending operations
Its efficiency ratio of 60.58% is above the 58.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
- Cumberland Security Bank, Inc. Somerset, KY · $420M
- The Lincoln National Bank of Hodgenville Hodgenville, KY · $454M
- Bank of Lexington, Inc. Lexington, KY · $411M
- Meade County Bank Brandenburg, KY · $458M
- United Cumberland Bank Whitley City, KY · $460M
Questions about Town & Country Bank and Trust Company
How big is Town & Country Bank and Trust Company?
Town & Country Bank and Trust Company, established in 1907, is headquartered in Bardstown, KY. It reported $434M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Town & Country Bank and Trust Company's return on assets?
1.47% annualized in Q2 2026, against a 1.29% median for 59 KY banks with half to twice its assets, ahead of 59% of them.
What is Town & Country Bank and Trust Company's efficiency ratio?
60.58% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 58.31%, and lower is better.
Is Town & Country Bank and Trust Company growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 3.6%.
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 KY 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 Kentucky bank ranked.