BETTER BANKS

PEORIA, IL | Small | Est. Jan. 1, 1898, midnight | FDIC #1808 | RSSD #851631 | FDIC
Latest Report: 2025-12-31

BETTER BANKS is asn small FDIC-insured commercial bank headquartered in PEORIA, IL, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $433M and total deposits of $395M. Profitability stands at 1.03% ROA and 13.10% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 13.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.16% and a Texas Ratio of 11.32%. FDIC Certificate #1808.

Assets

$433M

Deposits

$395M

Loans

$291M

Equity

$35M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 13.10%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.15%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 1.16%
Net Charge-Off Ratio 0.20%
Texas Ratio 11.32%
NPA Ratio 1.01%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 13.35%
Tier 1 Capital 13.35%
Total Capital Ratio 14.60%
Leverage Ratio 9.35%
Loan-to-Deposit 73.83%

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