BlastPoint's Banking Scorecard
Town & Country Bank
Micro
Specialty: Commercial
NV
FDIC cert 57312
Las Vegas, NV
2498
banks in Micro tier nationally
7 in NV
View Micro leaderboard (NV) →
Town & Country Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.28% above tier
- + Efficiency Ratio 18.98% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 22.80% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.9M
+26.6% YoY
+9.0% QoQ
|
+$14.4M |
$217.5M
+2.3% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$163.2M
+16.6% YoY
-0.6% QoQ
|
+$24.0M |
$139.2M
+2.8% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$202.4M
+34.9% YoY
+12.1% QoQ
|
+$18.7M |
$183.7M
+1.8% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.37%
+0.8% YoY
-5.0% QoQ
|
+1.28% |
1.08%
+14.7% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.90%
-3.1% YoY
-1.7% QoQ
|
+1.05% |
3.85%
+6.6% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
48.75%
-3.0% YoY
+4.0% QoQ
|
-18.98% |
67.73%
-4.8% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.64%
-13.5% YoY
-11.4% QoQ
|
+6.11% |
74.53%
+0.5% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
45.19%
+2.0% YoY
-1.5% QoQ
|
+22.80% |
22.39%
-1.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.50%
-8.3% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
-25.1% YoY
+18.8% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.75%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.19%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.19% · Tier avg: 22.39%
95
95th pctile
Return on Assets
Current: 2.37% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 48.75% · Tier avg: 67.73%
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%
64
64th pctile
Total Loans
Current: $163.2M · Tier avg: $139.2M
60
60th pctile
Total Deposits
Current: $202.4M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $231.9M · 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: 80.64% · Tier avg: 74.53%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.64% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $231.9M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $202.4M · Tier avg: $183.7M
64
64th pctile
Total Loans
Current: $163.2M · Tier avg: $139.2M
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%
91
91th pctile
Efficiency Ratio
Current: 48.75% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.37% · Tier avg: 1.08%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.19% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%