Town & Country Bank
Salem, Missouri, Dent County
$748M in total assets, the 1,342nd largest of 4,309 US banks and 52nd of 195 headquartered in Missouri.
- FDIC certificate
- 13071
- Established
- 1894
- Owned by
- Town&country Bancshares Inc
- Primary regulator
- FED
- Website
- www.tcbanks.com
At a glance
Compared with 140 banks headquartered in Missouri 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 | $748M | 89% | $264M | |
| Loans | $503M | 88% | $200M | |
| Deposits | $642M | 89% | $230M | |
| Return on assets | 2.27% | 86% | 1.41% | |
| Net interest margin | 4.27% | 61% | 4.12% | |
| Efficiency ratio | 51.9% | 28% | 59.5% | |
| Equity to assets | 10.88% | 60% | 10.12% | |
| Loans to deposits | 78% | 35% | 86% |
Growth
Total assets grew 1.5% a year over the last 5 years and 4.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2000 | Town & Country Bank Bourbon, MO, an affiliate under the same holding company | $80M |
| Jul 2000 | Peoples Security Bank Licking, MO, an affiliate under the same holding company | $42M |
| Dec 1986 | Reynolds County Savings Bank Centerville, MO | $5M |
| Jun 1986 | The Bank of Bunker Bunker, MO | $6M |
Where they operate
10 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Phelps County, MO | $170M | 12.5% | 4 of 10 |
| Dent County, MO | $128M | 41.9% | 2 of 3 |
| Douglas County, MO | $85M | 32.3% | 1 of 5 |
| Texas County, MO | $81M | 15.0% | 3 of 8 |
| Crawford County, MO | $75M | 15.4% | 4 of 5 |
| Wright County, MO | $72M | 12.6% | 3 of 9 |
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 change since 2016. The bank has operated 10 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 45% | 33% | |
| Farmland | 21% | 15% | |
| Commercial real estate | 12% | 20% | |
| Construction and land | 7% | 7% | |
| Business (C&I) | 4% | 10% | |
| Multifamily | 4% | 3% | |
| Agricultural | 3% | 6% | |
| Consumer | 3% | 4% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 46% | |
| Time deposits | 31% | 33% | |
| Noninterest-bearing | 26% | 21% |
Brokered deposits are 0.0% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.35% | 0.43% |
| Net charge-offs, annualized | 0.00% | 0.01% |
| Reserves to loans | 1.35% | 1.21% |
| Leverage ratio | 12.37% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Phelps County, MO
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/banks/town-country-bank-salem-mo