Des Moines, IA · Cert 953 · BTC Financial Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
23
Asset Quality
59
Profitability
31
Liquidity
87
Efficiency
55
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.
Des Moines, IA · Cert 953 · BTC Financial Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 14.5% share · #2 of 57 inst. · $5.5B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.88% | 0.94% | 0.99% | 1.06% | 1.10% | 1.07% | 1.08% | +9 bps | |
| Return on Equity | 9.96% | 10.19% | 10.94% | 11.50% | 12.07% | 12.29% | 11.18% | 11.28% | -21 bps | |
| Net Interest Margin | 2.42% | 2.41% | 2.65% | 2.67% | 2.68% | 2.72% | 2.82% | 2.72% | +5 bps | |
| Efficiency Ratio | 63.52% | 61.94% | 61.51% | 59.84% | 58.10% | 57.36% | 58.03% | 58.51% | -133 bps | |
| Non-Interest Burden | 1.29% | 1.23% | 1.38% | 1.34% | 1.29% | 1.28% | 1.38% | 1.35% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.87% | 8.70% | 9.46% | 11.82% | 5.92% | 4.38% | 1.57% | 3.84% | -798 bps | |
| Loan Growth (YoY) | 8.57% | 11.03% | 11.72% | 12.46% | 6.13% | 3.67% | 1.55% | 1.47% | -1,099 bps | |
| Deposit Growth (YoY) | 6.95% | 15.11% | 11.21% | 9.35% | 8.75% | 4.26% | 2.25% | 19.28% | +993 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.06% | 0.03% | 0.05% | 0.05% | 0.17% | 0.31% | +28 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.23% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | 0.07% | +5 bps | |
| Allowance / Loans | 1.23% | 1.24% | 1.26% | 1.28% | 1.35% | 1.34% | 1.38% | 1.36% | +8 bps | |
| Allowance Coverage of NPLs | 10.2x | 19.6x | 20.2x | 44.8x | 28.4x | 24.9x | 8.2x | 4.4x | -40.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 9.88% | 9.93% | 9.87% | 9.97% | 10.12% | 10.33% | 10.10% | +23 bps | |
| Total Risk-Based Capital | 11.18% | 11.16% | 11.50% | 11.50% | 11.82% | 12.02% | 12.21% | 12.25% | +76 bps | |
| Equity / Assets | 8.81% | 8.54% | 8.62% | 8.68% | 9.20% | 9.57% | 9.61% | 9.49% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.65% | 97.78% | 101.43% | 105.43% | 102.13% | 97.23% | 100.74% | 89.69% | -1,574 bps | |
| Liquid Assets / Assets | 0.52% | 0.46% | 0.55% | 0.42% | 0.69% | 0.71% | 0.41% | 2.48% | +206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 457% | 451% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.91% | 1.22% | 1.52% | Beats 34% | 216 / 328 | ||
| Return on Equity | 11.02% | 8.43% | 11.45% | 14.43% | Beats 45% | 179 / 328 | ||
| Net Interest Margin | 2.72% | 3.03% | 3.45% | 3.83% | Beats 13% | 287 / 328 | ||
| Efficiency Ratio | 58.51% | 51.61% | 59.56% | 67.53% | Beats 55% | 150 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.24% | 0.51% | 1.03% | Beats 68% | 105 / 322 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 49% | 165 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.03% | 11.75% | 13.15% | 15.47% | Beats 16% | 276 / 328 | ||
| Total Risk-Based Capital Ratio | 12.25% | 12.63% | 14.15% | 16.46% | Beats 21% | 258 / 328 | ||
| Equity / Assets | 9.49% | 9.15% | 10.33% | 12.01% | Beats 33% | 220 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.69% | 76.63% | 87.92% | 95.36% | 54th pctl | 149 / 323 | ||
| Loans / Assets | 76.91% | 65.18% | 74.15% | 79.98% | 63rd pctl | 122 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||