Insights

Community Focus Town and Country Bank & Trust Co. has a strong local presence with 11 offices in Bardstown, Kentucky, serving a tight-knit community. This local footprint offers opportunities to introduce tailored small business banking solutions, community engagement platforms, and personalized financial services to deepen customer relationships.

Growth & Expansion Despite recent financial challenges reflected by negative ROA and ROE figures, the bank's historical stability and recent leadership hires suggest potential for strategic growth initiatives. Business development efforts could focus on providing innovative digital banking technologies and asset management solutions to support turnaround strategies and growth plans.

Technology Adoption The bank employs various technology platforms, including DNN, Google APIs, and Microsoft ASP.NET, indicating an openness to digital solutions. There are opportunities to offer advanced fintech integrations, cybersecurity enhancements, and data analytics tools to improve operational efficiency and customer experience.

Commercial Lending Expertise Specializing in commercial lending, the bank can benefit from solutions tailored to small and medium-sized enterprises (SMEs) in its area, including cash flow management tools, commercial real estate financing, and industry-specific financial products to support local business growth.

Leadership & Talent Recent hires and leadership promotions indicate active talent acquisition and strategic staffing, creating opportunities to introduce HR and employee engagement technologies, leadership development programs, or training platforms that can enhance team performance and organizational growth.

Town and Country Bank & Trust Co. Tech Stack

Town and Country Bank & Trust Co. uses 5 technology products and services including DNN, Google Fonts API, jQuery, and more. Explore Town and Country Bank & Trust Co.'s tech stack below.

  • DNN
    Content Management System
  • Google Fonts API
    Font Scripts
  • jQuery
    Javascript Libraries
  • Google Analytics
    Web Analytics
  • Microsoft ASP.NET
    Web Frameworks

Town and Country Bank & Trust Co.'s Email Address Formats

Town and Country Bank & Trust Co. uses at least 1 format(s):
Town and Country Bank & Trust Co. Email FormatsExamplePercentage
First.Last@mytcbt.comJohn.Doe@mytcbt.com
86%
Last@mytcbt.comDoe@mytcbt.com
14%

Frequently Asked Questions

Where is Town and Country Bank & Trust Co.'s headquarters located?

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Town and Country Bank & Trust Co.'s main headquarters is located at Bardstown, Kentucky United States. The company has employees across 1 continents, including North America.

What is Town and Country Bank & Trust Co.'s official website and social media links?

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Town and Country Bank & Trust Co.'s official website is mytcbt.com and has social profiles on LinkedIn.

What is Town and Country Bank & Trust Co.'s NAICS code?

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Town and Country Bank & Trust Co.'s NAICS code is 52 - Finance and Insurance.

How many employees does Town and Country Bank & Trust Co. have currently?

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As of February 2026, Town and Country Bank & Trust Co. has approximately 16 employees across 1 continents, including North America. Key team members include Sr. Vp: T. H.Senior Risk Manager: R. S.Manager Human Resources: L. G.. Explore Town and Country Bank & Trust Co.'s employee directory with LeadIQ.

What industry does Town and Country Bank & Trust Co. belong to?

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Town and Country Bank & Trust Co. operates in the Financial Services industry.

What technology does Town and Country Bank & Trust Co. use?

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Town and Country Bank & Trust Co.'s tech stack includes DNNGoogle Fonts APIjQueryGoogle AnalyticsMicrosoft ASP.NET.

What is Town and Country Bank & Trust Co.'s email format?

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Town and Country Bank & Trust Co.'s email format typically follows the pattern of First.Last@mytcbt.com. Find more Town and Country Bank & Trust Co. email formats with LeadIQ.

Town and Country Bank & Trust Co.

Financial ServicesKentucky, United States11-50 Employees

FDIC Certificate #: 15703
Status: Active
Federal Reserve ID: 692946
Bank Holding Company First Farmers Bank Holding Company 
Date Established: September 09, 1907
Trust Powers Granted: Yes
Bank Charter Class:
Offices: 11 Domestic: 11, Interstate: No
OTS Docket #: 11172
FDIC's unique #: 9970
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund DIF
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 25, 1939
Last Structure Change Effective Date: January 10, 2009
Last Structure Change Process Date: Febuary 02, 2009
Last Data Update: Febuary 02, 2009
Data Source Date: April 05, 2012 Location Address: 201 N. Third Street, Bardstown, KY 40004
County: Nelson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Elizabethtown
Office of the Comptroller the Currency OCC District: Central
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140) History of Changes Office Purchased Financial Summary Total assets: $378.2 mil
Equity capital: $35.3 mil
Deposits held in domestic offices: $310.5 mil
Return on assets (ROA): -2.25% (-$8.5 mil)
Quarterly return on assets: -4.23% (-$16.0 mil)
Return on Equity (ROE): -24.33% (-$8.5 mil)
Quarterly return on equity: -43.67% (-$15.3 mil)
Net income: -$9.2 mil
Quarterly Net income: -$4.1 mil
Pretax return on assets: -3.37% (-$12,746.4 mil)
Quarterly Pretax return on assets: -6.25% (-$23,639.4 mil)

Section iconCompany Overview

Headquarters
Bardstown, Kentucky United States
Website
mytcbt.com
NAICS Code
52 - Finance and Insurance
Employees
11-50

Section iconFunding & Financials

  • $10M$25M

    Town and Country Bank & Trust Co.'s revenue is estimated to be in the range of $10M$25M

Section iconFunding & Financials

  • $10M$25M

    Town and Country Bank & Trust Co.'s revenue is estimated to be in the range of $10M$25M

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