Our Approach

When you bank with the folks at Town and Country, the conversation starts with this question: What do you want in life? 


We’ll answer that question by learning about you and your family. We know your needs are ever-changing. That’s why we’re looking forward to walking side by side with you, partners in the success story that’s your financial life.

We’ve got the concept of community in the fabric of our organization. We’re woven into Central Illinois, just like you.  It’s comforting to know that your banking atmosphere offers the things you’ve come to know as home: a genuine smile, a concern for your needs, and breathe-easy surroundings.

It’s refreshing, right?

So, what do you want in life?  Start that new business you’ve sketched out? Make university-life more than a brochure on your desk? Open the door to your family’s new home? Maybe you just want to log into online banking and feel good about what you find there.

Well, we’re ready. If you are too, walk side by side with Town and Country Bank. We’d love to have you stop by and share a conversation with any of our employees.

Our Story

In 1962, Town and Country Bank had one location and $1.6 million in assets. Then, in 1967 a businessman named Henry Kirschner was one of five local residents who purchased a substantial amount of stock in Town and Country Bank of Springfield – and he immediately took on the role as President.

Within five years, Henry grew the company’s assets to more than $20 million and built a new facility at 1925 South MacArthur Boulevard with six drive-up lanes. His vision: to make banking easy and accessible for the Springfield community.

This vision led his bankers to pioneer new ways of doing business in Springfield and Central Illinois, including:

  • Creating the first cash dispensers in Springfield. These predated Automatic Teller Machines (ATMs)
  • Introducing one of the first credit cards. These were a precursor to MasterCard and Visa.
  • Saturday banking hours. A traffic policeman was hired to direct all the cars for the busy Saturday business.
  • Banking where you lived. Neighborhood branches and local financial experts strengthened community banking and we are still locally owned and operated.
  • Creative mortgage lending. To help consumers understand and navigate the home buying process, a dedicated department of professionals was created, providing reliability and consistency of service to all buyers and sellers.

Sadly, Henry passed away in 2009 at the age of 94. However, his name and legacy lives on through Henry’s son, current Executive Chairman of Town and Country Financial Corporation, David Kirschner, who continues to drive innovative solutions and personalized service.  Joining David is Micah Bartlett, Town and Country Financial Corporation and Town and Country Bank's President and CEO.

All of us at Town and Country Bank proudly embrace the belief that bankers help people. We look forward to seeing you soon! 

Our Structure

Town and Country Financial Corporation was an early adopter of the holding company structure and subsequently acquired Farmers State Bank of Buffalo, Logan County Bank of Lincoln and a branch in Mt. Zion. A separate mortgage company was also created, Town and Country Banc Mortgage Services, Inc.

In recent years, Town and Country Financial Corporation expanded into a 28,000 square foot facility that also houses a branch of Town and Country Bank.  This facility is located at 3601 Wabash in Springfield.

In 2009, Town and Country Financial Corporation merged the branches of Town and Country Bank in Forsyth and Mt. Zion, Illinois.  Then in 2011, it made its downtown Decatur loan production office a full-service branch.

The latest addition to the Town and Country family occurred on May 19, 2012, when it acquired a branch in Quincy, Illinois and named it Peoples Prosperity Bank, a division of Town and Country Bank.  Then on May 8, 2013, its sister bank - Logan County Bank - changed its name to Town and Country Bank. 

In addition to the three Town and Country Bank locations in Springfield, the bank has two Decatur-area locations, one Lincoln branch, one Buffalo location and a Quincy full-serve branch along with a Commercial and Mortgage Center.  All these locations are designed to better serve the varying needs of our customers.

Each holding company operates with its own board of directors.