About Our Bank

Headquartered at the state’s capital in Springfield, Town and Country Financial Corporation serves as the financial holding company for Town and Country Bank, Peoples Prosperity Bank in Quincy and the Bank’s mortgage subsidiary, Town and Country Banc Mortgage Services, Inc. With 12 branches, we specialize in helping businesses succeed. Our bankers are the best of the best and offer a comprehensive suite of innovative products and modernized services—all with a hometown touch.

Our Mission

Our mission is to empower the financial well-being of our communities, one person at a time.

Our Core Values

Our Core Values of teamwork, achievement, authenticity, passion, and positive thinking are the heart of our organization. These guiding principles represent our priorities, what we stand for and how we work.

TEAMWORK: We help each other.
ACHIEVEMENT: Motivated by success.
AUTHENTICITIY: Be yourself. Be open and respectful.
PASSION: We love our mission.
POSITIVE THINKING: Believe you can, and you will.

Community banking is an experience. We want businesses to grow because we live here. We work to make families feel financially empowered because they’re our friends. When the community thrives, we all succeed. So, when our clients walk through the door, they’re treated like family. And as partners, we walk toward a brighter future, side by side.

Our Proven Process

At Town and Country Financial Corporation, we are committed to actions and results. As a result, we focus on our organization's three unique characteristics of Relationship, Engagement, and Linking to build REal Connections with our employees and customers.

Our History

It started in 1962 when Town and Country Bank opened with one location and had $1.6 million in assets. Five years later, 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. In just five years, Henry grew the company’s assets to more than $20 million and constructed a new facility on 1925 South MacArthur Boulevard. His primary goal was to make banking easy and accessible. It was a simple vision that would shape the company’s future and set Town and Country apart from other banks.

It was Town and Country who created Springfield’s first cash dispensers and introduced one of the first credit cards to the city. Saturday banking hours were established for busy families and a mortgage lending team was created to walk customers through the house-buying process. But most importantly, Henry and his team knew the key to long-term success was to keep the bank locally owned and operated. Company decisions should be made by those who live in the community and understand local needs. Employees deserve a family environment where talents can soar, and growth is encouraged. Bankers should know their clients on a personal level and believe in their goals and dreams.

Sadly, Henry passed away in 2009 at the age of 94. However, his name and legacy live on through Henry’s son, current Executive Chairman of Town and Country Financial Corporation, David Kirschner. Joining him is Micah Bartlett, Town and Country Financial Corporation President and Chief Executive Officer along with executive leaders Shelly Dowell, Wendy Kernan, and Grant Franklin. Together, with guidance from a board of directors, the leadership team helps drive innovative solutions and personalized services as well as expand the brand to other markets.

In 2012, Town and Country acquired a branch in Quincy, Illinois and named it Peoples Prosperity Bank, a division of Town and Country Bank. In 2016, the organization acquired Centrue Bank in the metro-east market of St. Louis, Premier Bank of Jacksonville and the EDGEBank branch located in Edwardsville, Illinois. In addition to these locations, the Town and Country family consists of three branches in Springfield, two Decatur locations, one Lincoln branch, one Buffalo branch and one Bloomington branch. Town and Country also has a separate mortgage company, Town and Country Banc Mortgage Services, which is consistently the top housing lender in its markets and even provides turn-key services to other community banks looking to outsource mortgage operations.

As the organization keeps growing, Town and Country will continue to specialize in commercial loan banking, provide the most modernized services and ensure individuals have a clear path to meet their financial goals. But no matter how large, Town and Country will never lose the focus established by Henry Kirschner. Hire the best and recognize their achievements, invest in the local community and help make it thrive, and treat clients like you would family.

Our Team

Meet our Executive and Market Leadership Teams.