Town & Country Bank Midwest
Quincy, Illinois, Adams County
$279M in total assets, the 2,607th largest of 4,309 US banks and 163rd of 328 headquartered in Illinois.
- FDIC certificate
- 10460
- Established
- 1910
- Owned by
- R Dean Phillips Bk Tr Dated 11-19-2004
- Primary regulator
- FDIC
- Website
- www.tcbankmidwest.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $279M | 49% | $286M | |
| Loans | $208M | 57% | $174M | |
| Deposits | $237M | 50% | $238M | |
| Return on assets | 3.62% | 98% | 1.12% | |
| Net interest margin | 5.20% | 97% | 3.70% | |
| Efficiency ratio | 40.6% | 2% | 64.2% | |
| Equity to assets | 14.94% | 87% | 10.43% | |
| Loans to deposits | 88% | 76% | 76% |
Growth
Total assets grew 4.6% a year over the last 5 years and 4.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2025 | The Hill-Dodge Banking Company Warsaw, IL, an affiliate under the same holding company | $63M |
| Jul 2015 | The State Bank of Lima Lima, IL | $29M |
| Jun 2013 | Town & Country Bank of Missouri La Grange, MO | $27M |
| Jun 2013 | Town & Country Bank Midwest La Belle, MO | $23M |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Adams County, IL | $148M | 6.5% | 6 of 13 |
| Hancock County, IL | $50M | 6.6% | 4 of 7 |
| Lewis County, MO | $39M | 10.6% | 3 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (6 branches then and now). 1 opened, 1 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2020 | Closed Quincy | 0 | 1 | −1 | 5 |
| 2021 | Opened QuincyClosed Quincy | 1 | 1 | 0 | 5 |
| 2025 | Acquired The Hill-Dodge Banking Company | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 28% | 12% | |
| 1-4 family residential | 23% | 30% | |
| Commercial real estate | 22% | 23% | |
| Farmland | 8% | 13% | |
| Agricultural | 8% | 7% | |
| Construction and land | 7% | 4% | |
| Consumer | 2% | 4% | |
| Multifamily | 2% | 6% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 47% | |
| Time deposits | 31% | 35% | |
| Noninterest-bearing | 30% | 19% |
Brokered deposits are 0.0% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.15% | 0.52% |
| Net charge-offs, annualized | 0.32% | 0.01% |
| Reserves to loans | 1.33% | 1.14% |
| Leverage ratio | 14.89% | 10.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Adams County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/town-country-midwest