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 247th largest bank in the state of Wisconsin. It is also the 6,487th largest bank in the nation. It was established in 1913 and as of September of 2011, it had grown to 15 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 Q3 2011


Institution Statistics


Town and Country Bank
FDIC Certificate #12319
BankRate ReportView
Year Established1913
Employees15
Primary RegulatorFDIC

Assets and Liabilities

Assets$47.82 million
Loans$35.50 million
Deposits$42.85 million
Equity Capital$4.82 million
Loan Loss Allowance$851,000
Unbacked Noncurrent Loans$1.94 million
Real Estate Owned$604,000

Historic Data - September 2010

Assets$46.36 million
Equity Capital$4.43 million
Loan Loss Allowance$1.02 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$294,000

Profit Margin - Quarterly

Net Interest Margin3.57%
Return on Assets-0.58%
Return on Equity-5.9%
Interest Income$1.63 million

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 September 30, 2011 Town and Country Bank had $2.54 million in non-current loans and owned real-estate with $5.67 million in equity and loan loss allowances on hand to cover it. This gives Town and Country Bank a Texas Ratio of 44.84% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Town and Country Bank held steady from 39.92% as of September 30, 2010 to 44.84% as of September 30, 2011, resulting in a negative change of 12.34%. This indicates that the balance sheet and financial strength for Town and Country Bank has held steady in recent periods.
Deposit Growth4
In the past year, Town and Country Bank has increased its total deposits by $1.13 million, resulting in 2.71% 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 above average.
Capitalization4
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 $47.82 million in assets with $5.67 million in equity, resulting in a capitalization level of 11.86%, which is above average.
Write Review

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


 
Featured Savings Account
Nationwide Savings Accounts