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Town Center Bank
Frankfort, IL · FDIC Certificate #58214 · Chartered 09/1
Total assets
$180.65M
Total deposits
$138.29M
Total equity
$20.44M
Net loans
$140.64M
Branches (offices)
2
Net income (YTD)
$224.00K
Rank: #3,112 of 4,213 U.S. banks by assets · #214 of 322 in Illinois. Assets changed 11.2% and deposits 14.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.25% |
| Return on equity | 2.19% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 11.38% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.91% |
| Loans to deposits | 101.7% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.77M | 77.3% | |
| Commercial & industrial | $30.95M | 22.0% | |
| Consumer / individual | $2.43M | 1.7% | |
| Construction & development | $7.42M | 5.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.80M | $140.68M | -$745.00K | $14.93M |
| Jun 2023 | $129.99M | $95.33M | $515.00K | $16.24M |
| Jun 2024 | $153.73M | $115.03M | $699.00K | $17.71M |
| Jun 2025 | $162.43M | $121.30M | $677.00K | $19.43M |
| Jun 2026 | $180.65M | $138.29M | $224.00K | $20.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $138.29M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $138.29M.
Similar-sized banks
Battle Bank, National Association ($180.79M) · The Farmers State Bank ($180.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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