BlastPoint's Banking Scorecard
Town & Country Bank Midwest
Micro
Specialty: Commercial
IL
FDIC cert 10460
Quincy, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Town & Country Bank Midwest shows strong momentum with 2 strengths and 27.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.54% above tier
- + Efficiency Ratio 21.99% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.7M
+27.5% YoY
+29.5% QoQ
|
+$66.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$196.2M
+23.4% YoY
+14.0% QoQ
|
+$57.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$243.1M
+24.8% YoY
+31.4% QoQ
|
+$59.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.63%
+8.1% YoY
-22.9% QoQ
|
+1.54% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.46%
-13.6% YoY
-19.2% QoQ
|
+0.61% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
45.73%
-6.1% YoY
+10.5% QoQ
|
-21.99% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.11%
+132.1% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
80.74%
-1.1% YoY
-13.2% QoQ
|
+6.21% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
31.00%
-6.0% YoY
-5.9% QoQ
|
+8.60% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.88%
-18.1% YoY
-21.5% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.81%
-11.3% YoY
+15.0% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.73%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.63% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.73% · Tier avg: 67.73%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 31.00% · Tier avg: 22.39%
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
73
73th pctile
Total Loans
Current: $196.2M · Tier avg: $139.2M
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
69
69th pctile
Total Deposits
Current: $243.1M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $283.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.74% · Tier avg: 74.53%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
Top Weaknesses
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.74% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Total Assets
Current: $283.7M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $243.1M · Tier avg: $183.7M
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
73
73th pctile
Total Loans
Current: $196.2M · Tier avg: $139.2M
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 31.00% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
94
94th pctile
Efficiency Ratio
Current: 45.73% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.63% · Tier avg: 1.08%