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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 $0.0BQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $5.8B14%Noninterest $1.0BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.88%0.94%0.99%1.06%1.10%1.07%1.08%+9 bps
Return on Equity9.96%10.19%10.94%11.50%12.07%12.29%11.18%11.28%-21 bps
Net Interest Margin2.42%2.41%2.65%2.67%2.68%2.72%2.82%2.72%+5 bps
Efficiency Ratio63.52%61.94%61.51%59.84%58.10%57.36%58.03%58.51%-133 bps
Non-Interest Burden1.29%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 / Loans0.12%0.06%0.06%0.03%0.05%0.05%0.17%0.31%+28 bps
Net Charge-Offs / Loans0.27%0.23%0.00%0.01%0.01%0.00%0.01%0.07%+5 bps
Allowance / Loans1.23%1.24%1.26%1.28%1.35%1.34%1.38%1.36%+8 bps
Allowance Coverage of NPLs10.2x19.6x20.2x44.8x28.4x24.9x8.2x4.4x-40.4x
Capital
Tier 1 Leverage Ratio10.09%9.88%9.93%9.87%9.97%10.12%10.33%10.10%+23 bps
Total Risk-Based Capital11.18%11.16%11.50%11.50%11.82%12.02%12.21%12.25%+76 bps
Equity / Assets8.81%8.54%8.62%8.68%9.20%9.57%9.61%9.49%+81 bps
Liquidity & Funding
Loans / Deposits104.65%97.78%101.43%105.43%102.13%97.23%100.74%89.69%-1,574 bps
Liquid Assets / Assets0.52%0.46%0.55%0.42%0.69%0.71%0.41%2.48%+206 bps
CRE / Total Capitaln/an/an/an/a474%457%451%n/an/a