Town & Country Bank and Trust Company


Overview / Commentary
502-348-3911
201 N. Third Street
Bardstown, KY 40004

Town & Country Bank and Trust Company is headquartered in BARDSTOWN and is the 43rd largest bank in the state of Kentucky. It is also the 2,002nd largest bank in the nation. It was established in 1907 and as of December of 2024, it had grown to 87 employees at 5 locations. Town & Country Bank and Trust Company has an A health rating.

Reviews (1)

Several Problems

Posted by: |

During the plandemic, I asked them which rule I should break:

1. The federal law that prohibits entering a financial institution with a face cover

2. Their own rule that expects me to wear one.

It took only a day that they canceled my checking account, based on the "recommendation" of their "Compliance Officer."

Imagine how inconvenient that is, when you have all your automatic payments drawn from your checking.

Besides that, their remote check deposits never worked very well; I had to resend photos of checks over and over.



Health

Health Grade Components

Overall
FDIC Certificate #15703
Year Established1907
Employees87
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD11.07%
Annual Interest Income$19MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$427.4MM$434.3MM
LoansQ4 2024vs Q4 2023$275.7MM$271.1MM
DepositsQ4 2024vs Q4 2023$359.4MM$350.3MM
Equity CapitalQ4 2024vs Q4 2023$44.9MM$41.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.7MM$2.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$122K$71K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Town & Country Bank and Trust Company; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Town & Country Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Savings - Tiered Rate

Town & Country Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Money Market Account
OTHER TIERS: 0.05% $2k - $100k

Town & Country Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Interest Earning Account - Tiered Rate
0.05%$0-Business Interest Earning Account - Tiered Rate
0.05%$0-Worry Free Checking

Town & Country Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-60 Month CD
0.35%$1k-48 Month CD
0.30%$1k-36 Month CD
0.25%$1k-24 Month CD
0.20%$1k-12 Month CD
0.15%$1k-182 Day CD
0.05%$1k-91 Day CD

Town & Country Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-60 Month IRA
0.35%$1k-48 Month IRA
0.30%$1k-36 Month IRA
0.25%$1k-24 Month IRA
0.20%$1k-12 Month IRA
Locations


Town & Country Bank and Trust Company Locations
Lawrenceburg Branch1102 Bypass SouthLawrenceburg, KY 40342
New Haven Branch148 South Main StreetNew Haven, KY 40051
Town & Country Bank and Trust Company201 N 3rd StBardstown, KY 40004
Bardstown Plaza Branch237 Nelson PlazaBardstown, KY 40004
West John Rowan Boulevard Branch90 West John Rowan BoulevardBardstown, KY 40004

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