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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.93% | 0.94% | 1.04% | 1.18% | 1.21% | 1.07% | 1.09% | +5 bps | |
| Return on Equity | 11.49% | 10.69% | 10.94% | 12.02% | 13.22% | 12.91% | 11.18% | 11.44% | -58 bps | |
| Net Interest Margin | 2.58% | 2.66% | 2.65% | 2.75% | 2.78% | 2.85% | 2.82% | 2.73% | -3 bps | |
| Efficiency Ratio | 58.20% | 57.90% | 61.51% | 58.24% | 54.85% | 55.30% | 58.03% | 59.00% | +75 bps | |
| Non-Interest Burden | 1.18% | 1.19% | 1.38% | 1.34% | 1.21% | 1.26% | 1.38% | 1.38% | +4 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 | 0.01% | 0.15% | 0.00% | 0.02% | 0.00% | -0.01% | 0.01% | 0.13% | +10 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 | |