Town & Country Bank and Trust Company
Bardstown, KY
IDRSSD: 692946
Total Assets
$421.88M
Latest filing
Total Deposits
$368.71M
Latest filing
Net Interest Margin
4.51%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083902060BARDSTOWN, KY
Key People
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Locations
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Main Office
Town & Country Bank and Trust Company
201 N 3rd St
Bardstown, KY 40004
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/09/1907FDIC Certificate 9970
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Town & Country Bank and Trust Company (Main) | 201 N 3rd St | Bardstown, KY |
| LAWRENCEBURG BRANCH | 1102 Bypass S | Lawrenceburg, KY |
| NEW HAVEN BRANCH | 148 S Main St | New Haven, KY |
| NELSON PLAZA BANKING CENTER BRANCH | 237 Nelson Plaza | Bardstown, KY |
| WEST JOHN ROWAN BOULEVARD BRANCH | 90 W John Rowan Blvd | Bardstown, KY |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/09/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40004 |
| State and County Number | 21179 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bardstown, KY |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/25/1939 |
| Primary Insurance Agency | DIF |
| Website | www.mytcbt.bank |
| Data Updated | 01/30/2026 |
| CERT | 15703 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $421.88M |
| Total Deposits | $368.71M |
| Total Liabilities | $370.94M |
| Total Equity Capital | $50.94M |
| Net Income | $1.47M |
| Net Loans and Leases | $274.66M |
| Assets Per Employee ($Millions) | $5.02M |
| Bank Premises and Fixed Assets | $4.76M |
| Cash and Balances due from Depository Institutions | $37.19M |
| Deposits Held in Domestic Offices | $368.71M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 11.67% |
| Net Interest Margin | 4.51% |
| Efficiency Ratio | 63.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.075% |
| Earning Assets to total Assets | 94.05% |
Income and Expense
| Total Interest Income | $5.17M |
| Total Noninterest Income | $1.11M |
| Total Interest Expense | $706.00k |
| Total Noninterest Expense | $3.53M |
| Net Interest Income | $4.46M |
| Pre-tax Net Operating Income | $2.01M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.43M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.22M |
| Total Liabilities and Capital | $421.88M |
Securities
| Securities | $86.38M |
| Available-for-sale debt securities | $86.38M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Town & Country Bank and Trust Company?
$421.88M as of the latest filing.
How much are Town & Country Bank and Trust Company's total deposits?
$368.71M in total deposits.
Where is Town & Country Bank and Trust Company located?
Bardstown, KY.
What is the Net Interest Margin?
4.51%.
How many domestic offices does it operate?
5.
When was it established?
09/09/1907.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$274.66M (latest filing).
What is the total interest income (latest filing)?
$5.17M.