Banterra Bank
Marion, IL · Cert 17514 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Banterra Corp.
State charter, non-member · FDIC · 40 branches
Q2 2026
$3.4BAssets
$2.7BLoans
$3.0BDeposits
$226.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets operating regionally (rank 59 of 174).
- Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating regionally (rank 170 of 174).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.90%
Rank 136 of 174
Net Interest Margin
3.15%
Rank 139 of 174
Efficiency Ratio
65.33%
Rank 124 of 174
Equity / Assets
6.73%
Rank 170 of 174
Non-interest income vs. expense
Unfavorable gap of $64.3M · efficiency ratio beats 29% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.93% | 1.27% | 1.52% | Beats 22% | 136 / 174 | |
| Return on Equity | 13.36% | 9.26% | 11.89% | 14.41% | Beats 64% | 63 / 174 | |
| Net Interest Margin | 3.15% | 3.22% | 3.56% | 3.91% | Beats 20% | 139 / 174 | |
| Efficiency Ratio | 65.33% | 51.59% | 59.21% | 67.02% | Beats 29% | 124 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.29% | 0.60% | 1.18% | Beats 67% | 59 / 174 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 39% | 108 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 11.19% | 12.82% | 14.11% | Beats 5% | 166 / 174 | |
| Total Risk-Based Capital Ratio | 10.73% | 11.81% | 13.70% | 15.33% | Beats 12% | 153 / 174 | |
| Equity / Assets | 6.73% | 9.15% | 10.31% | 11.72% | Beats 2% | 170 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 88.22% | 80.93% | 90.31% | 97.12% | 44th pctl | 97 / 174 | |
| Loans / Assets | 79.16% | 69.01% | 75.52% | 80.85% | 67th pctl | 57 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |