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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ravenna, NE · FDIC certificate #1434
TOWN&COUNTRY BANK is an FDIC-insured institution based in Ravenna, NE (FDIC certificate #1434). In its Q3 2026 Call Report it reported total assets of $234M, total deposits of $185M and net loans of $160M. Its primary federal regulator is FED.
Plain-language readout
TOWN&COUNTRY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $234M in Q3 2026 and were lowest at $227M in Q1 2026.
Total deposits were highest at $198M in Q1 2026 and lowest at $185M in Q3 2026.
Over the whole period total assets rose 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $234M | $185M | $160M | 1.81% | 14.76% | 4.33% |
| Q2 2026 | $229M | $194M | $152M | 1.69% | 13.74% | 4.25% |
| Q1 2026 | $227M | $198M | $147M | 1.67% | 13.77% | 4.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.7M | $5.1M | +$599K | +11.8% |
| Federal funds sold | $0K | $3.8M | -$3.8M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $62.9M | $63.5M | -$579K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $369K | $0K | +$369K | n/a |
| Net loans and leases (after allowance) | $151.8M | $147.5M | +$4.4M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.1M | +$52K | +4.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.9M | $6.3M | +$670K | +10.7% |
| Total assets | $228.9M | $227.1M | +$1.7M | +0.8% |
| Liabilities | ||||
| Total deposits | $194.1M | $197.7M | -$3.6M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.1M | $0K | +$5.1M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $862K | $1.0M | -$138K | -13.8% |
| Total liabilities | $200.1M | $198.7M | +$1.4M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.3M | $1.3M | $0K | 0.0% |
| Surplus | $2.1M | $2.1M | $0K | 0.0% |
| Retained earnings | $29.4M | $28.6M | +$728K | +2.5% |
| Accumulated other comprehensive income | -$3.9M | -$3.5M | -$346K | -9.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.8M | $28.4M | +$382K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $6K | $8K | -$2K | -25.0% |
| Adjusted nonperforming assets | $6K | $8K | -$2K | -25.0% |
| Tangible equity plus allowance | $30.8M | $30.4M | +$382K | +1.3% |
| Texas ratio (gross) | 0.02% | 0.03% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.02% | 0.03% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.02% | 0.03% | -0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.09% | 13.67% | +0.42 pts | See points |
| Construction and land loans to total capital | 11.06% | 9.93% | +1.13 pts | See points |
| Commercial real estate to total capital | 12.08% | 10.98% | +1.10 pts | See points |
| Dividend payout, year to date | 25.89% | 26.06% | -0.17 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.10% | -14.13% | -0.98 pts | See points |
| Liquidity | ||||
| Core deposits | $171.9M | $170.4M | +$1.5M | +0.9% |
| Non-core funding | $27.3M | $27.3M | -$37K | -0.1% |
| Loans to core deposits | 89.48% | 87.71% | +1.77 pts | See points |
| Loans to deposits | 79.22% | 75.58% | +3.64 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 41.84% | 48.39% | -6.55 pts | See points |
| Loans pledged, share of loans | 33.16% | 43.97% | -10.82 pts | See points |
| Volatile liabilities | $27.3M | $27.3M | -$37K | -0.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +110.1% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$111K | +10.1% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.98% | 6.89% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 4.64% | 4.64% | 0.00 pts | See points |
| Total interest income to average assets | 5.49% | 5.41% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.17% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.92% | 0.91% | +0.01 pts | See points |
| Cost of time deposits | 3.43% | 3.49% | -0.06 pts | See points |
| Total interest expense to average assets | 1.38% | 1.51% | -0.13 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $234M | $185M | $160M | 1.81% | 14.76% | 4.33% |
| 2026-06-30 | $229M | $194M | $152M | 1.69% | 13.74% | 4.25% |
| 2026-03-31 | $227M | $198M | $147M | 1.67% | 13.77% | 4.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $191.9M | 0.21% | 81 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.