Compared with Kentucky
9 of 18
compared fees are above the median.
4 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
48th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 18 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Town & Country Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Town & Country Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (48th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $121K in Q2 2026, 8.0% above the same quarter a year earlier ($112K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 18 compared published fees sit above the Kentucky median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $121K. Its share of revenue, 2.0%, is below the 2.1% median for banks with $300M to $1B in assets.
$121K
Town & Country Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Town & Country Bank and Trust Company · $434M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Town & Country Bank and Trust Company(this institution) | Bardstown, KY | $434M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American National Bank - Fox Cities | Appleton, WI | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Lowcountry | Walterboro, SC | $430M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centinel Bank of Taos | Taos, NM | $425M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coffee County Bank | Manchester, TN | $428M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank and Trust Company | Perry, OK | $429M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Farmers Trust and Savings Bank | Buffalo Center, IA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Buxton, ND | $424M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Foresight Bank | Plainview, MN | $434M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Bank | Lamar, CO | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank of the Ozarks | Lebanon, MO | $424M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Bank SB | Martinsville, IN | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Bank | Honor, MI | $443M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JONES BANK | Seward, NE | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Morgantown Bank & Trust Company, Incorporated | Morgantown, KY | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| NobleBank & Trust | Anniston, AL | $444M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Valley Bank | Zanesville, OH | $427M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oostburg State Bank | Oostburg, WI | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Rome, GA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RiverHills Bank | Vicksburg, MS | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spring Bank | Brookfield, WI | $441M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sugar River Bank | Newport, NH | $424M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bank of Clovis | Clovis, NM | $438M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The National Grand Bank of Marblehead | Marblehead, MA | $445M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The St. Henry Bank | St. Henry, OH | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winnsboro State Bank & Trust Company | Winnsboro, LA | $426M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.48 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Town & Country Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Town & Country Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $121K | −$6K | −4.7% |
| Q1 2026 | $127K | +$2K | +1.6% |
| Q4 2025 | $125K | +$4K | +3.3% |
| Q3 2025 | $121K | +$9K | +8.0% |
| Q2 2025 | $112K | −$8K | −6.7% |
| Q1 2025 | $120K | −$2K | −1.6% |
| Q4 2024 | $122K | $0 | 0.0% |
| Q3 2024 | $122K | +$23K | +23.2% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Town & Country Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Town & Country Bank and Trust Company by share.
Amounts from Town & Country Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour · ACCOUNT RECONCILEMENT (per hour) $25.00
per hour · RECORD RESEARCH (per hour) $25.00
per item
per item
per day
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| EARLY ACCOUNT CLOSURE FEE (open <30 days) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| DORMANT ACCOUNT FEE (balances under $1,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ACCOUNT CLOSURE REQUEST (mail or fax) | $10Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| ACCOUNT RECONCILEMENT (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | ACCOUNT RECONCILEMENT (per hour) $25.00 |
| RECORD RESEARCH (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | RECORD RESEARCH (per hour) $25.00 |
Overdraft & NSF | |||
| OVERDRAFT FEE (per item) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| RETURNED ITEM FEE (per item) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| DAILY OVERDRAFT FEE (beginning on the 5th day not to exceed 10 consecutive days) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $6.25Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFERS: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| WIRE TRANSFERS: International Outgoing | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| STOP PAYMENT FEE (per item) | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| CASH MANAGEMENT SAME DAY ACH FEE (per file) | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| CHARGEBACK FEE (per item) | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Deposit Lock Bag Lost Key | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| NOTARY SERVICE (bank customers only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10X10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10X10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling Fee | $175Not compared: Box drilling or key fee | Not stated | None |
| SAFE DEPOSIT BOX LATE CHARGE (>30 days past due) | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Boxes: ▪ 3X10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes: ▪ 3X5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes: ▪ 4X10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes: ▪ 5X5 (audience not stated, treated as personal) | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments & Levies | $60Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Other Fees | |||
| FAX (10 page maximum) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| PHOTO COPIES (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Town & Country Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $378.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $345.5M | |
| Outside a metro area | 1 | $32.5M |
Louisville/Jefferson County, KY-IN
0.7% of bank deposits, #20 of 43, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 19.2% |
| JPMorgan Chase Bank, National Association | 16.8% |
| Truist Bank | 11.5% |
| Stock Yards Bank & Trust Company | 10.8% |
| Republic Bank & Trust Company | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Louisville/Jefferson County, KY-IN, Town & Country Bank and Trust Company holds 0.7% of bank deposits, #20 of 43, with 4 offices.
441 offices of 67 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 43 institutions shown. $48.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 0.7% share, 4 offices, #20 of 43
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
103 offices of 26 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.