Banterra Bank
Marion, IL · Cert 17514 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 69% of banks $1B-$10B in assets operating regionally (rank 56 of 176).
- Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.90%
Rank 138 of 176
Net Interest Margin
3.15%
Rank 145 of 176
Efficiency Ratio
65.33%
Rank 123 of 176
Equity / Assets
6.73%
Rank 172 of 176
Non-interest income vs. expense
Unfavorable gap of $64.3M · efficiency ratio beats 31% 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% | 1.26% | 1.54% | Beats 22% | 138 / 176 | |
| Return on Equity | 13.36% | 9.26% | 11.89% | 14.46% | Beats 63% | 65 / 176 | |
| Net Interest Margin | 3.15% | 3.25% | 3.59% | 3.93% | Beats 18% | 145 / 176 | |
| Efficiency Ratio | 65.33% | 52.79% | 59.55% | 67.66% | Beats 31% | 123 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.30% | 0.64% | 1.32% | Beats 69% | 56 / 176 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 39% | 108 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 11.15% | 12.72% | 14.15% | Beats 5% | 167 / 176 | |
| Total Risk-Based Capital Ratio | 10.73% | 11.81% | 13.63% | 15.33% | Beats 13% | 154 / 176 | |
| Equity / Assets | 6.73% | 9.16% | 10.35% | 11.80% | Beats 2% | 172 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 88.22% | 80.94% | 89.73% | 97.21% | 44th pctl | 99 / 176 | |
| Loans / Assets | 79.16% | 69.25% | 75.12% | 80.82% | 68th pctl | 57 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |