Bank · FDIC insured
Town & Country Bank and Trust Co.
A $433.7M bank headquartered in Bardstown, KY, with 5 branches in Kentucky. Best rates: CDs 0.40% and savings 0.05% APY.
Town & Country Bank and Trust Co. Carrot Score
60
Carrot Score
Higher than 0% of U.S. banks and credit unions
#42 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Town & Country Bank and Trust Co.
Headquartered in Bardstown, Kentucky, Town & Country Bank and Trust Co. traces its roots to 1907 when Nelson County founding directors established Farmers Bank and Trust Co.
The locally owned and operated community bank serves Central Kentucky consumer and business customers and offers wealth management services through its Louisville-based trust division, First Bankers Trust.
- Headquarters
- 201 N 3rd St, Bardstown, KY 40004
- FDIC certificate
- 15703 ↗
Branches
5 branches in Kentucky
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Kentucky
5 branches
Louisville/Jefferson County area · 4
- Town & Country Bank and Trust CompanyMain office201 N 3rd St, Bardstown, KY 40004Directions
- Nelson Plaza Banking Center Branch237 Nelson Plaza, Bardstown, KY 40004Directions
- West John Rowan Boulevard Branch90 W John Rowan Blvd, Bardstown, KY 40004Directions
- New Haven Branch148 S Main St, New Haven, KY 40051Directions
Frankfort area · 1
- Lawrenceburg Branch1102 Bypass S, Lawrenceburg, KY 40342Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.47% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio12.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.47%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Town & Country Bank and Trust Co. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.