Town Center Bank
Frankfort, IL
IDRSSD: 3459216
Total Assets
$179.36M
Latest filing
Total Deposits
$134.26M
Latest filing
Net Interest Margin
4.10%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071926634FRANKFORT, IL
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Illini State Bank
Oglesby, Illinois
→
Assets: $169.82MΔ +0.4%
Iroquois Farmers State Bank
Iroquois, Illinois
→
Assets: $171.82MΔ +1.6%
DeWitt Savings Bank
Clinton, Illinois
→
Assets: $172.52MΔ +2.0%
Waterman Bank
Waterman, Illinois
→
Assets: $165.71MΔ -2.0%
North Central Bank
Hennepin, Illinois
→
Assets: $164.35MΔ -2.8%
Farmers State Bank of Western Illinois
Alpha, Illinois
→
Assets: $163.79MΔ -3.2%
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 | 01/30/2026 |
| CERT | 58214 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $179.36M |
| Total Deposits | $134.26M |
| Total Liabilities | $159.03M |
| Total Equity Capital | $20.33M |
| Net Income | $453.00k |
| Net Loans and Leases | $130.74M |
| Assets Per Employee ($Millions) | $7.8M |
| Bank Premises and Fixed Assets | $848.00k |
| Cash and Balances due from Depository Institutions | $23.86M |
| Deposits Held in Domestic Offices | $134.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 9.02% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 63.69% |
| Tier 1 Risk-Based Capital Ratio | 13.296% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.334% |
| Earning Assets to total Assets | 97% |
Income and Expense
| Total Interest Income | $2.60M |
| Total Noninterest Income | $137.00k |
| Total Interest Expense | $870.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.73M |
| Pre-tax Net Operating Income | $647.00k |
| Provision for Credit Losses | $32.00k |
| 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 | $23.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.92M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.77M |
| Total Liabilities and Capital | $179.36M |
Securities
| Securities | $16.06M |
| Available-for-sale debt securities | $16.06M |
| 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 Center Bank?
$179.36M as of the latest filing.
How much are Town Center Bank's total deposits?
$134.26M in total deposits.
Where is Town Center Bank located?
Frankfort, IL.
What is the Net Interest Margin?
4.10%.
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?
$130.74M (latest filing).
What is the total interest income (latest filing)?
$2.60M.