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Banterra Bank
Marion, IL·FDIC Cert #17514·Charter: STATE·Est. 19551126.0·HC: BANTERRA CORP
Total Assets
$3.3B
Q4 2025
Return on Assets
0.81%
-0.01%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.98%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.81%-0.01
ROE
13.12%-0.44
Efficiency
66.98%+1.08
Equity/Assets
0.00%+0.00
NPL Ratio
0.35%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.39%+0.82
Charge-offs
0.13%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.0 | 0.2 | 0.2 | 0.3 | 0.5 | 0.9 | 0.8 | 0.8 |
| ROE | -0.4 | 2.5 | 2.7 | 4.7 | 8.2 | 14.5 | 13.6 | 13.1 |
| Efficiency | 91.0 | 86.5 | 85.9 | 81.2 | 76.4 | 63.2 | 65.9 | 67.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.4 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.3 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 81.4 | 86.3 | 84.3 | 84.4 | 84.3 | 84.6 | 84.6 | 85.4 |
Balance Sheet
Total Assets$3.3B
Total Deposits$3.0B
Total Loans$2.5B
Total Equity$216.7M
Profitability
ROA0.81%
ROE13.12%
Efficiency Ratio66.98%
Net Income$26.0M
Risk & Asset Quality
NPL Ratio0.35%
Charge-off Rate0.13%
Loan/Deposit85.39%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans