Town Center Bank
Frankfort, IL
IDRSSD: 3459216
Total Assets
$169.16M
Latest filing
Total Deposits
$121.55M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Town Center Bank
20181 S Lagrange Rd
Frankfort, IL 60423
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/18/2006FDIC Certificate 442525
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Town Center Bank (Main) | 20181 S Lagrange Rd | Frankfort, IL |
| NEW LENOX BRANCH | 1938 E Lincoln Hwy | New Lenox, IL |
Showing 1 of 1
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 | 09/18/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60423 |
| State and County Number | 17197 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| 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 | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| 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 | 09/18/2006 |
| Primary Insurance Agency | DIF |
| Website | www.towncenterbank.net |
| Data Updated | 11/14/2025 |
| CERT | 58214 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $169.16M |
| Total Deposits | $121.55M |
| Total Liabilities | $149.32M |
| Total Equity Capital | $19.84M |
| Net Income | $432.00k |
| Net Loans and Leases | $126.57M |
| Assets Per Employee ($Millions) | $7.69M |
| Bank Premises and Fixed Assets | $874.00k |
| Cash and Balances due from Depository Institutions | $14.50M |
| Deposits Held in Domestic Offices | $121.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 8.8% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 64.94% |
| Tier 1 Risk-Based Capital Ratio | 13.265% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.727% |
| Earning Assets to total Assets | 96.86% |
Income and Expense
| Total Interest Income | $2.50M |
| Total Noninterest Income | $156.00k |
| Total Interest Expense | $824.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $617.00k |
| Provision for Credit Losses | $26.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $26.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.58M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.77M |
| Total Liabilities and Capital | $169.16M |
Securities
| Securities | $16.62M |
| Available-for-sale debt securities | $16.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 Center Bank?
$169.16M as of the latest filing.
How much are Town Center Bank's total deposits?
$121.55M in total deposits.
Where is Town Center Bank located?
Frankfort, IL.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
2.
When was it established?
09/18/2006.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$126.57M (latest filing).
What is the total interest income (latest filing)?
$2.50M.