BlastPoint's Banking Scorecard
Town & Country Bank
Community
Specialty: Other
MO
FDIC cert 13071
Salem, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Town & Country Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33% in Community
- + Revenue Diversifier: Top 48% in Community
- + Tier 1 Capital Ratio 8.39% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$721.6M
+2.2% YoY
-2.4% QoQ
|
-$669.9M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$486.8M
+4.9% YoY
-0.1% QoQ
|
-$488.7M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$623.2M
+1.3% YoY
-1.9% QoQ
|
-$541.4M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.97%
+16.8% YoY
+0.3% QoQ
|
+0.81% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.11%
+6.2% YoY
+1.7% QoQ
|
+0.45% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
56.07%
-6.9% YoY
-0.2% QoQ
|
-6.56% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.35%
-15.2% YoY
+1.0% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
78.11%
+3.6% YoY
+1.9% QoQ
|
-4.95% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
25.20%
-4.7% YoY
-5.0% QoQ
|
+4.15% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.23%
-15.1% YoY
+3.4% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
18.63%
+2.5% YoY
+1.0% QoQ
|
+8.39% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.81%
+6.3% YoY
+38.5% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#122 of 371 · Top 33% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.97%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#180 of 371 · Top 48% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.81%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.97%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.63%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#125 of 268 · Bottom 46% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.63%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
78.11%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
91
91th pctile
Tier 1 Capital Ratio
Current: 18.63% · Tier avg: 10.24%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.16%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
75
75th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 21.05%
70
70th pctile
Efficiency Ratio
Current: 56.07% · Tier avg: 62.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.11% · Tier avg: 83.06%
31
31th pctile
Total Deposits
Current: $623.2M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $721.6M · Tier avg: $1.4B
29
29th pctile
Total Loans
Current: $486.8M · Tier avg: $975.5M
Top Weaknesses
29
29th pctile
Total Loans
Current: $486.8M · Tier avg: $975.5M
29
29th pctile
Total Assets
Current: $721.6M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $623.2M · Tier avg: $1.2B
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.11% · Tier avg: 83.06%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
70
70th pctile
Efficiency Ratio
Current: 56.07% · Tier avg: 62.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 21.05%
75
75th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.16%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.63% · Tier avg: 10.24%