BlastPoint's Banking Scorecard
Town & Country Bank and Trust Company
Micro
Specialty: Commercial
KY
FDIC cert 15703
Designations: ✓ Community bank
Bardstown, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Town & Country Bank and Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.49% above 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$421.9M
-1.3% YoY
+1.4% QoQ
|
+$204.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$274.7M
-0.4% YoY
-0.6% QoQ
|
+$135.5M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$368.7M
+2.6% YoY
+1.6% QoQ
|
+$185.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.49%
+33.5% YoY
-2.1% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.38%
+15.0% YoY
+0.9% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
62.57%
-6.9% YoY
+0.5% QoQ
|
-5.16% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.40%
+792.6% YoY
+33.7% QoQ
|
-0.24% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
74.49%
-2.9% YoY
-2.2% QoQ
|
-0.04% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
34.09%
-9.4% YoY
-2.8% QoQ
|
+11.70% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+801.0% YoY
+30.9% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.05%
+12.7% YoY
+31.6% QoQ
|
+0.49% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Non-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Why this stands out
Current:
1.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.56%
92
92th pctile
Total Deposits
Current: $368.7M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $421.9M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $274.7M · Tier avg: $139.2M
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.09% · Tier avg: 22.39%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
60
60th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 67.73%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 74.53%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
Top Weaknesses
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 74.53%
60
60th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.09% · Tier avg: 22.39%
89
89th pctile
Total Loans
Current: $274.7M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $421.9M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $368.7M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.56%