PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.24%Q2 ’245.24%Q2 ’255.07%Q2 ’26+14%-1%

Non-interest income vs. expense

2.00%Q2 ’241.97%Q2 ’251.94%Q2 ’260%+3%

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 1.09%, up 5 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.31% of loans (+28 bps YoY), with net charge-offs at 0.13%.
  • 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 (quarter, annualized)

1.09%+5 bps YoY

Net Interest Margin (quarter, annualized)

2.73%-3 bps YoY

Efficiency Ratio (quarter, annualized)

59.00%+75 bps YoY

Tier 1 Leverage Ratio

10.10%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.18%1.21%1.07%1.09%+5 bps
Return on Equity12.02%13.22%12.91%11.18%11.44%-58 bps
Net Interest Margin2.75%2.78%2.85%2.82%2.73%-3 bps
Efficiency Ratio58.24%54.85%55.30%58.03%59.00%+75 bps
Non-Interest Burden1.34%1.21%1.26%1.38%1.38%+4 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 / Loans0.02%0.00%-0.01%0.01%0.13%+10 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