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Bankers Trust Company

Des Moines, IA · Cert 953 · BTC Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankers Trust Company

Des Moines, IA · Cert 953 · BTC Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

$7.8BAssets
$6.0BLoans
$6.7BDeposits
$743.2MEquity
Loan mix
76%RE $4.2B24%C&I $1.3B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $5.8B14%Noninterest $1.0BQ2 2025Q2 2026

NIM

5.14%Q2 ’245.10%Q2 ’254.94%Q2 ’26+12%+2%

Non-interest income vs. expense

2.01%Q2 ’241.98%Q2 ’251.93%Q2 ’26-2%+1%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 14.5% share · #2 of 57 inst. · $5.5B of $38.0B

17.1% Polk
0.3% Maricopa
5.9% Linn
5.4% Story

Executive Summary

  • Earnings: ROA of 1.08%, up 9 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.31% of loans (+28 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.10%, up 23 bps from a year ago.
  • Funding: loans stand at 89.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+5 bps YoY

Efficiency Ratio (YTD, annualized)

58.51%-133 bps YoY

Tier 1 Leverage Ratio

10.10%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.06%1.10%1.07%1.08%+9 bps
Return on Equity11.50%12.07%12.29%11.18%11.28%-21 bps
Net Interest Margin2.67%2.68%2.72%2.82%2.72%+5 bps
Efficiency Ratio59.84%58.10%57.36%58.03%58.51%-133 bps
Non-Interest Burden1.34%1.29%1.28%1.38%1.35%+1 bps
Growth
Asset Growth (YoY)11.82%5.92%4.38%1.57%3.84%-798 bps
Loan Growth (YoY)12.46%6.13%3.67%1.55%1.47%-1,099 bps
Deposit Growth (YoY)9.35%8.75%4.26%2.25%19.28%+993 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.05%0.05%0.17%0.31%+28 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.01%0.07%+5 bps
Allowance / Loans1.28%1.35%1.34%1.38%1.36%+8 bps
Allowance Coverage of NPLs44.8x28.4x24.9x8.2x4.4x-40.4x
Capital
Tier 1 Leverage Ratio9.87%9.97%10.12%10.33%10.10%+23 bps
Total Risk-Based Capital11.50%11.82%12.02%12.21%12.25%+76 bps
Equity / Assets8.68%9.20%9.57%9.61%9.49%+81 bps
Liquidity & Funding
Loans / Deposits105.43%102.13%97.23%100.74%89.69%-1,574 bps
Liquid Assets / Assets0.42%0.69%0.71%0.41%2.48%+206 bps
CRE / Total Capitaln/a474%457%451%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankers Trust Company

Des Moines, IA · Cert 953 · Peer group: banks $1B-$10B in assets (n=322-328) · BTC Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

$7.8BAssets
$6.0BLoans
$6.7BDeposits
$743.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of banks $1B-$10B in assets (rank 105 of 322).
  • Widest gap: net interest margin trails 87% of banks $1B-$10B in assets (rank 287 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.05%

Rank 216 of 328

Net Interest Margin

2.72%

Rank 287 of 328

Efficiency Ratio

58.51%

Rank 150 of 328

Equity / Assets

9.49%

Rank 220 of 328

Non-interest income vs. expense

$45.7M$152.7MINCOMEEXPENSE
Unfavorable gap of $107.0M · efficiency ratio beats 55% of banks $1B-$10B in assets
Bank 58.51%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.91%1.22%1.52%Beats 34%216 / 328
Return on Equity11.02%8.43%11.45%14.43%Beats 45%179 / 328
Net Interest Margin2.72%3.03%3.45%3.83%Beats 13%287 / 328
Efficiency Ratio58.51%51.61%59.56%67.53%Beats 55%150 / 328
Asset Quality
Nonperforming Loans / Loans0.31%0.24%0.51%1.03%Beats 68%105 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 49%165 / 322
Capital
Tier 1 Capital Ratio11.03%11.75%13.15%15.47%Beats 16%276 / 328
Total Risk-Based Capital Ratio12.25%12.63%14.15%16.46%Beats 21%258 / 328
Equity / Assets9.49%9.15%10.33%12.01%Beats 33%220 / 328
Liquidity & Funding
Loans / Deposits89.69%76.63%87.92%95.36%54th pctl149 / 323
Loans / Assets76.91%65.18%74.15%79.98%63rd pctl122 / 328
Brokered Deposits / Depositsn/aNot reported for this institution