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BTC Bank

Bethany, MO · Cert 10618 · Bethany Bankshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.4BDeposits
$174.4MEquity
Loan mix
91%RE $989.5M7%C&I $72.9M2%Consumer $20.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $1.1B22%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.81%Q2 ’246.21%Q2 ’256.27%Q2 ’26+8%0%

Non-interest income vs. expense

2.66%Q2 ’242.57%Q2 ’253.32%Q2 ’26-4%+35%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 2.2% share · #8 of 20 inst. · $0.2B of $7.7B

67.4% Harrison
35.1% Moniteau
61.6% Daviess
20.3% Livingston

Executive Summary

  • Earnings: ROA of 0.62%, down 78 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.72% of loans (-35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.35%, down 197 bps from a year ago.
  • Funding: loans stand at 107.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%-78 bps YoY

Net Interest Margin (quarter, annualized)

4.14%-2 bps YoY

Efficiency Ratio (quarter, annualized)

74.75%+1,784 bps YoY

Tier 1 Leverage Ratio

9.35%-197 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.35%1.34%1.23%0.62%-78 bps
Return on Equity13.99%12.08%12.25%11.49%6.31%-767 bps
Net Interest Margin4.15%4.30%4.35%4.14%4.14%-2 bps
Efficiency Ratio56.91%58.18%58.26%57.98%74.75%+1,784 bps
Non-Interest Burden2.23%2.37%2.41%2.33%3.01%+77 bps
Growth
Asset Growth (YoY)13.46%12.75%14.11%16.11%35.66%+2,219 bps
Loan Growth (YoY)17.55%19.06%17.19%19.50%37.47%+1,992 bps
Deposit Growth (YoY)16.89%18.59%17.98%20.40%36.99%+2,010 bps
Asset Quality
Nonperforming Loans / Loans1.07%0.99%0.80%1.10%0.72%-35 bps
Net Charge-Offs / Loans0.00%0.00%0.04%0.00%0.00%0 bps
Allowance / Loans1.02%1.03%1.05%1.06%1.15%+13 bps
Allowance Coverage of NPLs1.0x1.1x1.3x1.0x1.6x+0.6x
Capital
Tier 1 Leverage Ratio11.32%11.39%11.06%10.99%9.35%-197 bps
Total Risk-Based Capital11.32%11.39%11.06%10.99%9.35%-197 bps
Equity / Assets11.20%11.16%10.79%10.60%9.12%-208 bps
Liquidity & Funding
Loans / Deposits106.65%110.18%108.19%107.73%107.02%+37 bps
Liquid Assets / Assets1.14%0.45%1.34%1.58%1.37%+23 bps
CRE / Total Capitaln/a113.84%107.23%121.89%n/an/a