Better Banks: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Better Banks, based in Peoria, Illinois, reported $446 million in assets at June 30, 2026, up 4.3% from a year earlier. It carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.12% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 16% from a year earlier, to $1.2 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.3 million equal 13% of Tier 1 capital, down from 18% a year earlier. Where it has less room is capital: it funds 9.43% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Better Banks reported a CET1 capital ratio of 13.36%, a return on assets of 1.05%, a nonperforming-loan ratio of 1.53% and a Texas ratio of 13.49%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 10225 N Knoxville Ave, Peoria, IL 61615
- County
- Peoria
- Metro Area
- Peoria, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- Dunlap Bank (2000-2004)
- Offices
- 9 domestic
- Employees (FTE)
- 82
- Domestic deposits
- $407.0M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $195K
- Average total assets
- $438.8M
- Average total loans
- $296.9M
- Average interest-bearing deposits
- $324.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1808
- Fed RSSD
- 851631
- Website
- http://www.betterbanks.com →
- Parent Holding Company
- BACKLUND INVESTMENT CO. (RSSD 1095058)
- Ultimate Parent
- RSSD 5986136
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 1.05% | 1.53% | 13.49% | 3.93% |
| Q1 2026 | 13.37% | 1.21% | 1.37% | 11.20% | 3.88% |
| Q4 2025 | 13.35% | 1.02% | 1.16% | 12.11% | 3.75% |
| Q3 2025 | 13.16% | 0.92% | 1.29% | 13.85% | 3.61% |
| Q2 2025 | 13.13% | 0.91% | 1.36% | 16.42% | 3.39% |
| Q1 2025 | 13.35% | 0.88% | 1.44% | 16.23% | 3.20% |
| Q4 2024 | 13.34% | 1.13% | 1.46% | 16.62% | 3.17% |
| Q3 2024 | 12.93% | 0.79% | 1.48% | 16.28% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bartonville Bank Branch | Bartonville , IL | 61607 | $141.7M |
| Better Banks (main office) | Peoria , IL | 61615 | $64.7M |
| 900 North 4th Street Branch | Chillicothe , IL | 61523 | $40.9M |
| Glasford Main Branch | Glasford , IL | 61533 | $38.9M |
| Dunlap Branch | Dunlap , IL | 61525 | $35.7M |
| Bartonville Facility | Bartonville , IL | 61607 | $33.9M |
| Wyoming Bank & Trust Company - Branch | Wyoming , IL | 61491 | $25.5M |
| Morton Branch | Morton , IL | 61550 | $13.6M |
| Farmers State Bank Branch | Astoria , IL | 61501 | $12.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 18, 2022 | Structure Change | Acquired Glasford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired First National Bank of Chillicothe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 18, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 18, 2011 | Structure Change | Acquired Farmers State Bank, Astoria Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 14, 2006 | Structure Change | Acquired Wyoming Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2004 | Structure Change | Acquired Bartonville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Better Banks, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 128 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 173 applications, 146 loans originated, $26.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $240K approved, $240K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Better Banks
What are Better Banks's total assets?
As of the Q2 2026 filing, Better Banks reported total assets of $445.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Better Banks headquartered?
Better Banks is headquartered in Peoria, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Better Banks founded?
Better Banks was established in 1898, per the FDIC institution directory.
Is Better Banks FDIC-insured?
Yes. Better Banks is an FDIC-insured commercial bank (FDIC Certificate #1808). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Better Banks?
Better Banks's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Better Banks's CET1 capital ratio?
Better Banks reported a Common Equity Tier 1 (CET1) capital ratio of 13.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Better Banks operate?
Better Banks operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Better Banks's Texas Ratio?
Better Banks's Texas Ratio is 13.49% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Better Banks previously called?
The charter now named Better Banks has also operated as Dunlap Bank (2000-2004), per FDIC structure-change records.
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