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Banterra Bank

Marion, IL · Cert 17514 · Banterra Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

$3.4BAssets
$2.7BLoans
$3.0BDeposits
$226.0MEquity
Loan mix
46%RE $1.1B22%C&I $0.5B32%Consumer $0.8BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $2.5B17%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 10.3% share · #3 of 15 inst. · $0.3B of $3.3B

25.8% Williamson
32.9% Franklin
11.6% McCracken
7.1% Cape Girardeau

Executive Summary

  • Earnings: ROA of 0.99%, down 26 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.37% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.41%, up 15 bps from a year ago.
  • Funding: loans stand at 88.22% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.99%-26 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+17 bps YoY

Efficiency Ratio (quarter, annualized)

63.41%+1,144 bps YoY

Tier 1 Leverage Ratio

9.41%+15 bps YoY

NIM

4.83%Q2 ’245.34%Q2 ’255.26%Q2 ’26+33%+6%

Non-interest income vs. expense

2.19%Q2 ’241.82%Q2 ’252.27%Q2 ’26-26%+41%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.65%0.49%1.25%0.73%0.77%0.84%0.99%-26 bps
Return on Equity3.04%10.56%8.18%20.84%11.83%12.00%12.79%14.94%-590 bps
Net Interest Margin2.32%2.62%2.70%3.03%2.97%3.10%3.09%3.20%+17 bps
Efficiency Ratio84.71%69.13%76.38%51.97%71.09%69.98%67.31%63.41%+1,144 bps
Non-Interest Burden1.92%1.69%1.98%1.34%2.00%2.05%1.96%1.89%+55 bps
Growth
Asset Growth (YoY)3.27%1.14%2.90%5.96%4.97%5.54%2.80%4.63%-133 bps
Loan Growth (YoY)7.69%5.56%7.97%6.60%5.34%6.18%3.53%6.40%-21 bps
Deposit Growth (YoY)5.65%4.44%4.26%8.70%5.02%5.01%3.92%3.00%-570 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.31%0.33%0.37%0.36%0.35%0.35%0.37%0 bps
Net Charge-Offs / Loans0.16%0.19%0.14%0.14%0.10%0.13%0.11%0.09%-5 bps
Allowance / Loans0.92%0.93%0.94%0.94%0.95%0.93%0.97%0.95%+1 bps
Allowance Coverage of NPLs2.8x3.0x2.8x2.5x2.6x2.7x2.8x2.6x+0.1x
Capital
Tier 1 Leverage Ratio9.18%9.22%9.16%9.26%9.22%9.18%9.21%9.41%+15 bps
Total Risk-Based Capital11.08%11.18%11.12%11.09%11.02%10.97%11.20%10.73%-36 bps
Equity / Assets6.20%6.02%5.94%6.04%6.31%6.59%6.56%6.73%+69 bps
Liquidity & Funding
Loans / Deposits85.11%85.24%85.13%85.40%85.38%86.19%84.81%88.22%+282 bps
Liquid Assets / Assets7.38%7.68%7.99%8.15%8.19%7.60%7.74%7.23%-92 bps
CRE / Total Capitaln/an/an/an/a266%273%280%n/an/a