Town & Country Bank

What Town & Country Bank does

Town & Country Bank is an FDIC-insured community bank serving central Nebraska since 1905, originally chartered as The State Bank of Poole and headquartered in Ravenna since 1932. The bank operates four physical branches across Ravenna, Pleasanton, Kearney, and Litchfield, and serves three primary customer segments: agricultural borrowers (farmers and ranchers requiring operating, equipment, livestock, and real-estate loans), personal/consumer banking customers, and small-to-mid-sized businesses needing commercial loans, SBA financing, and ACH/payroll services. As of December 31, 2025, the institution reported total assets of $237.2M, total deposits of $189.0M, total loans of $157.8M, and equity capital of $27.7M.

The technology stack combines traditional core banking with a digital delivery layer: web-based online banking (tcbank.onlinebank.com), the TCBank2go-NE mobile application on iOS and Android, mobile deposit, debit card tokenization supporting Apple Pay, Google Pay, and Samsung Pay, Zelle peer-to-peer payments, and a card-controls platform for spend limits and fraud alerts. Mortgage origination is digitized through the Wolters Kluwer online application portal and Ellie Mae (ICE Mortgage Technology) document management, while credit cards are issued through a partnership with Elan Financial Services and ATM access is expanded nationally via the MoneyPass network. There is no in-house AI/ML capability disclosed; digital features rely on third-party vendor platforms.

The revenue model is a standard community-bank mix: net interest income from the loan portfolio (agricultural, mortgage, consumer, commercial) is the primary driver, supplemented by recurring account maintenance and per-item fees (e.g., $5–$8 monthly checking fees, $0.20 paper-item fees, transaction-based service charges on wire transfers and money orders), interchange and interest from credit cards, and ancillary fees from safe deposit boxes, cashier's checks, coin counting, and notary services. The go-to-market motion is community-led, emphasizing local decision-making authority, long-tenured relationship managers, and a hybrid physical-plus-digital distribution model with no online account opening beyond the existing customer portal.

Name

Town & Country Bank

Legal name

Town & Country Bank

Website

https://tcbank.bank

Company type

Private

Founded year

1905

Operating status

Operating

Headcount range

11–50 employees

Short description

Town & Country Bank is an FDIC-insured community bank serving central Nebraska since 1905, operating four branches in Ravenna, Pleasanton, Kearney, and Litchfield with $237M in assets, providing personal, agricultural, and small-business banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking
• Agricultural lending
• Retail banking services
• Business banking
• Consumer lending

Headquarters

HQ city

Ravenna

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including agricultural loans, home loans, business loans, and personal loans. Interest rates are competitive with adjustable and fixed rate options.
2. Account Fees: Monthly maintenance fees on checking and savings accounts (e.g., $5-$8 per statement cycle), per-item fees for paper transactions, and minimum balance fees. Fees can be waived with minimum balance requirements.
3. Credit Card Revenue: Business and personal credit cards issued through Elan Financial Services partnership, generating interchange fees and interest revenue.
4. Banking Service Fees: Fees from additional services including wire transfers, money orders, safety deposit boxes, cashier's checks, notary services, coin counting, and night depository.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Town & Country Bank is a community bank serving central Nebraska since 1905 that offers deposit products (checking, savings, money market, CDs, IRAs, HSAs), lending products (consumer, mortgage, agricultural, commercial, SBA, and Nebraska Energy loans), credit cards, and digital banking services (online banking, mobile banking app, bill pay, mobile deposit, Zelle, and mobile wallet tokenization) to individuals, small businesses, and agricultural operations. The bank operates four physical branches across central Nebraska and supplements them with full digital channels for account access, payments, and lending applications.

Product overview

Town & Country Bank is a community bank serving central Nebraska since 1905, offering a comprehensive suite of personal, business, and agricultural banking products through both traditional branch services and digital channels. The core banking platform comprises deposit products (checking, savings, CDs, IRAs, HSAs), lending services (consumer, mortgage, agricultural, and commercial loans), and payment services. Digital banking is delivered through Online Banking and the TCBank2go-NE mobile application, which integrate ancillary services including Bill Pay, Mobile Deposit, Tokenization (mobile wallet support), Zelle peer-to-peer payments, Debit Card Controls, E-Statements, and a suite of Financial Calculators. Business customers access specialized checking accounts with optional cash management services, business credit cards, and ACH/payroll processing. The bank's digital ecosystem emphasizes convenience features including mobile check deposit, contactless payments via Apple Pay, Google Pay, and Samsung Pay, and comprehensive account management tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of personal checking accounts including Hometown Checking (with debit card and fee waiver for customers under 23 or 55+), Economy Checking (low-cost basic account), 55+ Club Checking (interest-earning with free checks and money orders for seniors), and Hometown Advantage Checking (higher-interest tiered balance account). Designed for individuals and households in central Nebraska.
• Personal Savings and Certificates of Deposit Personal savings products including Hometown Savings ($50 minimum to open, fee waivers for under 23), Money Market Savings (interest-earning with limited withdrawals), and Certificates of Deposit with terms from 1 month to 5 years, plus special offerings such as a 17-month Opportunity CD and Flex 9 Month CD.
• IRAs and Health Savings Accounts Retirement and healthcare savings products including Traditional IRA (tax-deductible contributions, tax-deferred growth), Roth IRA (tax-free qualified withdrawals), and Health Savings Account (tax-deductible contributions and tax-free qualified medical expenses for high-deductible health plan holders).
• Personal Credit Cards Personal credit card offerings issued through Elan Financial Services with options for low rates, cash back, or flexible rewards, accepted worldwide with mobile payment capability and zero fraud liability.
• Contactless Debit Cards Visa debit cards with tap-to-pay contactless technology, available in multiple designs including classic, windmill, and school mascot options. Includes School Mascot Visa Debit Cards with $10 donation to the school per card.
• Business Checking Accounts Business banking checking accounts including Simple Business Checking ($8/month with free first 100 items), Prime Business Checking (analyzed with earnings credit applied to fees, optional cash management), Premier Business Checking (interest-earning with tiered fee structure), and Visa Business Debit card with professional imaged statements.
• Business Credit Cards Business credit cards issued through Elan Financial Services in low-rate, cash back, or flexible rewards options with free online expense reporting, no-fee employee cards, mobile payment capability, and zero fraud liability.
• Business Savings and CDs Business Money Market Savings account earning competitive interest rates on outstanding balances, plus Business Certificates of Deposit with terms from one month to five years at competitive market interest rates.
• Payroll and ACH Origination Electronic payroll processing service enabling businesses to pay employees via direct deposit with ACH transaction capabilities, supporting business cash management and electronic payroll needs.
• Home Loans and Lines Residential mortgage products including purchase, refinance, and construction loans with fixed and adjustable rate options, plus home equity lines of credit for consumers. Loans are originated via the Wolters Kluwer-powered online mortgage application platform.
• Agricultural Loans Farm and ranch financing including operating loans, equipment loans, livestock loans, and real estate loans tailored to agricultural operations, with flexible terms reflecting farm/ranch cashflow cycles.
• Commercial Business Loans Commercial financing for property, equipment, inventory, and operating expenses, including SBA guaranteed loans and SBA 504 loans, plus Nebraska Energy Loans for energy-saving improvements (siding, windows, doors, HVAC) on homes, businesses, farms, and publicly owned buildings.
• Personal Loans Consumer loans including auto loans with pre-approval options, competitive rates, and flexible terms offered through the local community bank.
• Youth Banking Hometown Checking and Savings accounts for youth under 23 with fee waivers and free debit cards, plus school mascot debit cards, designed to introduce young people to banking in central Nebraska communities.
• TCBank2go-NE Mobile Banking Smartphone application enabling on-the-go access to check balances, make transfers, pay bills, deposit checks, and manage accounts from iOS and Android devices.
• Online Banking Web-based platform (tcbank.onlinebank.com) providing 24/7 account access, fund transfers, bill pay, e-statements, and comprehensive account management features for personal and business customers.
• Bill Pay Electronic bill payment service allowing customers to pay businesses or individuals from their Town & Country Bank account without writing checks or using stamps.
• Zelle and Zelle Small Business Peer-to-peer payment integration allowing users to send money instantly to friends, family, and small businesses using recipients' email or phone number, available through online and mobile banking.
• Tokenization (Mobile Wallet) Service enabling customers to store virtual versions of their debit cards on smartphones for use with Apple Pay, Google Pay, or Samsung Pay at contactless terminals, online, and in-app purchases using card- and merchant-specific tokens for enhanced security.
• Mobile Deposit Feature allowing customers to deposit checks electronically from anywhere using their smartphone camera to capture check images and submit them via the mobile banking app.
• Debit Card Controls Card management platform enabling users to turn debit cards on/off, set spending limits by location, amount, or merchant type, create travel plan notifications, dispute transactions, and manage real-time fraud alerts.
• E-Statements Electronic delivery of account statements replacing paper statements, providing faster access, secure archiving, and environmental benefits for personal and business accounts.
• Additional Banking Services Ancillary banking services including direct deposit, bank by mail, letters of credit, money orders, safety deposit boxes, wire transfers, night depositories, cashier's checks, coin counting, notary services, and text messaging alerts.

Quantifiable outcome

• 36+ years of continuous 5-star rating

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MoneyPasscoreTechnology or IntegrationMoneyPass network partnership provides Town & Country Bank customers access to over 32,000 surcharge-free ATMs nationwide. This enhances the bank's service offering by providing convenient fee-free ATM access for customers traveling outside the local branch network.
• Elan Financial ServicescoreChannel Partner/ Reseller/ DistributorElan Financial Services provides business credit card issuing services for Town & Country Bank. Cards include low rate, cash back, and flexible rewards options with features like free online expense reporting, no additional card fees, mobile payment capability, and zero fraud liability.
• Nebraska Energy OfficeminorStrategic or Co-development PartnerNebraska Energy Office partnership enables the bank to offer Nebraska Energy Loans for financing energy-saving improvements such as siding, windows, doors, heating and air conditioning. Eligible for homes, businesses, farms, and publicly owned buildings with low closing costs and fixed rates.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/towncountrybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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