Town and Country Bank

Town and Country Bank Locations
104 West Main Street
Watertown, WI 53094
www.tandcbank.com

Town and Country Bank is headquartered in Watertown and is the 250th largest bank in the state of Wisconsin. It is also the 6,422nd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 14 employees at 2 locations. Town and Country Bank has a 3-star health rating.

Town and Country Bank Routing Number: 075908205

Related Posts

2.17% 12-Month CD at Town & Country Bank in Las Vegas - Local Only - 9/18/2009

Town & Country Bank is offering a 2.17% APY CD for terms of 12 to 17 months. This is also available in an IRA, but the rate is much higher at 2.42% APY. They also have a competitive rate for short-term CDs. It's 1.79% APY for terms of 3 to 11 months....

5.59% 36-Month / 5.54% 12-Month CD at a Kansas Bank (Town & Country) - 5/26/2007

Town & Country Bank has some high rates on its certificates of deposit and IRA's. They include a 5.48% APY 6-month CD, a 5.54% APY 12-month CD, a 5.56% APY 24-month CD and a 5.59% APY CD with terms of 3, 4 and 5 years. The minimum deposit is $500...


Data for Q1 2012


Institution Statistics


Town and Country Bank
FDIC Certificate #12319
BankRate ReportView
Year Established1913
Employees14
Primary RegulatorFDIC

Assets and Liabilities

Assets$48.26 million
Loans$36.11 million
Deposits$42.83 million
Equity Capital$5.22 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$682,000

Historic Data - March 2011

Assets$48.67 million
Equity Capital$4.56 million
Loan Loss Allowance$794,000
Unbacked Noncurrent Loans$853,000
Real Estate Owned$608,000

Profit Margin - Quarterly

Net Interest Margin3.83%
Return on Assets0.1%
Return on Equity0.92%
Interest Income$522,000

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Town and Country Bank had $2.59 million in non-current loans and owned real-estate with $6.39 million in equity and loan loss allowances on hand to cover it. This gives Town and Country Bank a Texas Ratio of 40.60% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Town and Country Bank increased slightly from 27.29% as of March 31, 2011 to 40.60% as of March 31, 2012, resulting in a negative change of 48.76%. This indicates that the balance sheet and financial strength for Town and Country Bank has declined slightly in recent periods.
Deposit Growth2
In the past year, Town and Country Bank has decreased its total deposits by -$1.2 million, resulting in -2.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Town and Country Bank has shown is below average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Town and Country Bank has $48.26 million in assets with $6.39 million in equity, resulting in a capitalization level of 13.24%, which is excellent.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Accounts
Nationwide Savings Accounts