BTC Bank
Bethany, MO · Cert 10618 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bethany Bankshares Inc.
State charter, non-member · FDIC · 30 branches
Q2 2026
$1.9BAssets
$1.5BLoans
$1.4BDeposits
$174.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating regionally (rank 18 of 176).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.80%
Rank 147 of 176
Net Interest Margin
3.88%
Rank 49 of 176
Efficiency Ratio
67.66%
Rank 133 of 176
Equity / Assets
9.12%
Rank 134 of 176
Non-interest income vs. expense
Unfavorable gap of $45.2M · efficiency ratio beats 25% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.93% | 1.26% | 1.54% | Beats 16% | 147 / 176 | | |
| Return on Equity | 8.73% | 9.26% | 11.89% | 14.46% | Beats 22% | 138 / 176 | | |
| Net Interest Margin | 3.88% | 3.25% | 3.59% | 3.93% | Beats 72% | 49 / 176 | | |
| Efficiency Ratio | 67.66% | 52.79% | 59.55% | 67.66% | Beats 25% | 133 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.30% | 0.64% | 1.32% | Beats 45% | 98 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 90% | 18 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 11.15% | 12.72% | 14.15% | Beats 1% | 174 / 176 | | |
| Total Risk-Based Capital Ratio | 9.35% | 11.81% | 13.63% | 15.33% | Beats 1% | 174 / 176 | | |
| Equity / Assets | 9.12% | 9.16% | 10.35% | 11.80% | Beats 24% | 134 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.02% | 80.94% | 89.73% | 97.21% | 97th pctl | 5 / 176 | | |
| Loans / Assets | 81.00% | 69.25% | 75.12% | 80.82% | 77th pctl | 41 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |