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Bankers Trust Company
Des Moines, IA·FDIC Cert #953·Charter: STATE·Est. 19170601.0·HC: BTC FINANCIAL CORP
Total Assets
$7.5B
Q4 2025
Return on Assets
1.10%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.36%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.04
ROE
12.29%+0.22
Efficiency
57.36%-0.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.05%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.93%-4.83
Charge-offs
0.00%-0.01
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 | 0.7 | 0.8 | 0.9 | 0.9 | 0.9 | 1.0 | 1.1 | 1.1 |
| ROE | 8.7 | 9.2 | 10.0 | 10.2 | 10.9 | 11.5 | 12.1 | 12.3 |
| Efficiency | 67.9 | 66.5 | 63.5 | 61.9 | 61.5 | 59.8 | 58.1 | 57.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 |
| Charge-offs | 0.0 | 0.4 | 0.3 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 99.5 | 101.3 | 103.4 | 96.6 | 100.2 | 104.1 | 100.8 | 95.9 |
Balance Sheet
Total Assets$7.5B
Total Deposits$6.1B
Total Loans$5.8B
Total Equity$716.3M
Profitability
ROA1.10%
ROE12.29%
Efficiency Ratio57.36%
Net Income$81.3M
Risk & Asset Quality
NPL Ratio0.05%
Charge-off Rate0.00%
Loan/Deposit95.93%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans