Town & Country Bank and Trust Co

What Town & Country Bank and Trust Co does

Town & Country Bank and Trust Co. is a privately held, FDIC-insured Kentucky state-chartered community bank founded in 1907 (originally as Farmers Bank and Trust Co.) and headquartered at 201 N Third St., Bardstown, KY. The bank operates a multi-channel distribution model comprising physical branches, an 8-ATM network, telephone banking (Hometown Line), and a Banno-powered digital banking platform with iOS/Android mobile apps and online banking. Its core product set spans personal banking (checking, savings, mortgages, personal loans, credit cards), business banking (checking accounts, SBA and agricultural lending, commercial loans, cash management), and wealth management delivered through its wholly-owned subsidiary First Bankers Trust Company (founded 2000) in Louisville, KY. Cash management capabilities include Positive Pay fraud detection, wire and ACH origination, Remote Deposit Capture, Autobooks invoicing, and the 2024-launched Tap2Local mobile payments tool. Credit cards are issued through a partnership with TCM Bank, N.A.

The bank generates revenue primarily through net interest income on its loan portfolio (personal, mortgage, SBA, agricultural, construction, commercial, equipment, and revolving lines), supplemented by non-interest fee income from deposit services, ATM and wire fees, and recurring wealth management fees from First Bankers Trust's 400+ client relationships across Kentucky and the United States. Pricing is structured around tiered business checking products (Basic with no minimum, Business with $500 minimum, Interest Earning with $1,000 minimum at 0.05% APY), safe deposit boxes ($20-$75 annually), and introductory 0% APR business credit cards. GTM is sales-led and relationship-driven, anchored by 115+ years of community presence, an award-winning mortgage team, and consistent "Best Bank / Best Mortgage / Best Customer Service" recognition in the local market. The bank rebranded from Farmers Bank and Trust Co. circa 2015 and has received Best Places to Work in Kentucky recognition since 2015, reflecting sustained employee and community engagement.

Strategic posture as of 2024-2026 reflects a digitally-enabled community bank investing in product modernization — including a full digital banking platform relaunch, Open Anywhere remote onboarding, Tap2Local payments, and Round-Up Savings — while maintaining a Central Kentucky geographic focus. Leadership is led by President and CEO David Greenwell, with governance from Chairman Nicky Rapier and a board including Jennifer C. Nolan (appointed 2026). The holding company is First Farmers Bank Holding Company; there are no disclosed PE/VC investors, no public listing, and no publicly available financial statements beyond an undisclosed Statement of Condition.

Name

Town & Country Bank and Trust Co

Legal name

Town & Country Bank and Trust Co.

Website

https://www.mytcbt.bank/

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

1–10 employees

Short description

Town & Country Bank and Trust provides personal and business banking products and services.

Ownership category

akta.pro rank

Headquarters

HQ city

Bardstown

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans, mortgages, business loans, and commercial lending. Core revenue stream for community bank.
2. Non-Interest Income: Fee income from deposit account service charges, ATM fees, wire transfer fees, and other banking service fees.
3. Wealth Management: Investment management, financial planning, trust and estate services, and philanthropic planning through First Bankers Trust division with over 400 client relationships.
4. Wealth Management: Revenue from trust services, estate administration, and investment advisory services through First Bankers Trust Company located in Louisville, KY

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Town & Country Bank and Trust Co. is a locally owned and operated, full-service community bank headquartered in Bardstown, KY, providing personal and business banking products including checking and savings accounts, mortgages and commercial loans, credit cards, and digital banking. The bank also operates a wealth management division (First Bankers Trust Company) in Louisville, KY offering investment management, financial planning, and trust and estate administration services to individuals and families.

Product overview

Town & Country Bank and Trust Co is a full-service community bank headquartered in Bardstown, KY, offering a comprehensive suite of banking products and services. The core offering spans personal and business banking with checking/savings accounts, lending (personal, mortgage, SBA, agricultural, construction, and commercial loans), and credit cards issued through TCM Bank. The digital banking platform serves as the primary digital channel, integrated with Zelle for P2P payments and the Banno-powered Cash Management suite (Positive Pay, wire/ACH transfers, Remote Deposit Capture, Autobooks, and Tap2Local). Wealth management services are delivered through the First Bankers Trust division, accessible via dedicated web portal and mobile app, offering investment management with a rising dividends strategy, financial planning, trust/estate services, and philanthropic planning. The bank also provides financial calculators, telephone banking (Hometown Line), and community engagement programs including an annual scholarship.

Differentiator

Problem solved

Functional benefit

Brands

• First Bankers Trust Company: Wealth management division of Town & Country Bank and Trust Co., offering investment management, trust and estate services, financial planning, and philanthropic planning. Located in Louisville, KY.
• TCBT Mobile Banking App

Products and services

• Personal Banking Traditional consumer banking services including personal checking, savings, CDs, personal loans, mortgages, and personal credit cards offered to individual consumers in Central Kentucky.
• Business Banking Business-focused banking services including business checking accounts, commercial lending (SBA, agricultural, construction, equipment, operating, real estate), and business credit cards for small to medium-sized businesses.
• Cash Management Suite of business treasury services including Positive Pay fraud detection, wire transfers, ACH origination, Remote Deposit Capture, Autobooks invoicing, and Tap2Local mobile payment acceptance integrated with Banno digital banking platform.
• Digital Banking Platform Comprehensive online and mobile banking platform offering account access, bill pay, mobile deposit, person-to-person transfers via Zelle, e-statements, external transfers, Insights financial management, and 24/7 account management available via web and TCBT Mobile Banking app.
• First Bankers Trust Wealth Management Wealth management division offering investment management with rising dividends strategy, financial planning, trust and estate administration, and philanthropic planning services through First Bankers Trust Company in Louisville, KY, serving over 400 client relationships.
• Lending Services Comprehensive loan offerings including personal loans, mortgage lending, SBA loans, agricultural loans, construction/development loans, equipment loans, operating loans, real estate loans, and revolving lines of credit for both personal and business customers.
• Business Credit Cards TCM Visa Business Credit Cards issued by TCM Bank, N.A. Features include 0% APR for first 6 months, no annual fee, reward points, higher spending limits, and ability to add employee authorized users.
• Personal Credit Cards Credit card products available to personal banking customers including TCM Visa Credit Cards issued by TCM Bank, N.A.
• Safe Deposit Boxes Safe deposit boxes available in multiple sizes (3x5 through 10x10) at branch locations for secure document and valuables storage, priced from $20 to $75 annually depending on size.

Quantifiable outcome

• Over 400 client relationships in wealth management
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• First Farmers Bank Holding CompanycoreOthersParent holding company for Town & Country Bank and Trust Co., providing strategic oversight and governance for the banking operations
• First Bankers Trust CompanycoreStrategic or Co-development PartnerWealth management division of Town & Country Bank and Trust Co., offering investment management, financial planning, trust and estate services, and philanthropic planning. Located in Louisville, KY with over 25 years of operation and serving over 400 client relationships.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Community Trust Bancorp, Inc. Kentucky-based community bank holding company headquartered in Pikeville, KY, operating community banks across Kentucky, West Virginia, and Tennessee. Directly comparable to TCBT in scale, business mix (consumer, commercial, wealth), and community banking model within the same state.
• Stock Yards Bank & Trust Company: Louisville, KY-based community bank offering personal, business, and wealth management services with a similar multi-branch regional community bank profile. Closely comparable business mix and Kentucky footprint, slightly larger in scale.
• Forcht Bank, National Association: Kentucky-based community bank headquartered in Corbin, KY with branches across Central and Northern Kentucky. Highly comparable to TCBT in community banking model, Kentucky geographic focus, and full-service consumer/commercial offering.
• Traditional Bank, Inc. Kentucky-based community bank serving Central and Northern Kentucky markets with personal and business banking services. Comparable community bank model with Kentucky geographic focus, though smaller scale than TCBT.

Regional players

• Republic Bank & Trust Company: Louisville, KY-based community-oriented bank providing personal, business, and wealth services with a strong Kentucky/regional footprint. Comparable in product mix but operates in different sub-markets across Kentucky and the broader Midwest region.
• Central Bank & Trust Co. Lexington, KY-based community bank serving Central Kentucky with consumer, business, and wealth management services. Direct overlap with TCBT in Central Kentucky market, with similar full-service community banking model.

Broad incumbents

• WesBanco, Inc. Multi-state community bank holding company headquartered in Wheeling, WV with branches across West Virginia, Ohio, Pennsylvania, and Kentucky. Offers similar consumer/commercial/wealth services but at significantly larger scale, serving as a broad incumbent community banking peer.
• S&T Bancorp, Inc. Indiana, PA-based community bank holding company serving Pennsylvania, Ohio, and New York markets. Comparable community banking model with personal, business, and wealth management services, though operating in a different region than TCBT.
• First Financial Bancorp: Cincinnati, OH-based community bank holding company serving Ohio, Indiana, and Kentucky markets with consumer, commercial, and wealth management services. Comparable full-service community banking model with overlapping Kentucky presence at significantly larger scale.
• U.S. Bancorp: Large national bank with significant Kentucky branch presence and full-service consumer, commercial, and wealth management offerings. Represents the broad incumbent competitor against which TCBT competes for deposit and loan relationships across its markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/myTCBT
• Facebookfacebook.com/mytcbt
• LinkedInlinkedin.com/company/mytcbt
• Instagraminstagram.com/mytcbt

Revenue estimate

Valuation estimate

Number of profiles

Profiles31 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Town & Country Bank and Trust Co