BETTER BANKS
BETTER BANKS is an FDIC-insured commercial bank headquartered in PEORIA, IL, established in 1898. As of , 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 3.67%. CET1 capital ratio: 13.35%, well above regulatory minimums. NPL ratio: 1.16% · Texas Ratio: 11.32%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Better Banks rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 13.35% | 1.03% | 1.16% | 11.32% | 3.67% |
| 2025-09-30 | 13.16% | 0.94% | 1.29% | 12.91% | 3.55% |
| 2025-06-30 | 13.13% | 0.93% | 1.36% | 14.06% | 3.33% |
| 2025-03-31 | 13.35% | 0.90% | 1.44% | 14.98% | 3.17% |
| 2024-12-31 | 13.34% | 1.16% | 1.46% | 15.48% | 3.09% |
| 2024-09-30 | 12.93% | 0.81% | 1.48% | 15.28% | 2.98% |
| 2024-06-30 | 12.67% | 0.74% | 0.57% | 8.64% | 2.99% |
| 2024-03-31 | 12.45% | 0.56% | 0.97% | 12.71% | 2.81% |
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Frequently asked about BETTER BANKS
What are Better Banks's total assets?
As of the Q4 2025 filing, Better Banks reported total assets of $433.2 million in its most recent 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 required of all FDIC-insured commercial banks.
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 13.35% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Better Banks operate?
Better Banks operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Better Banks's Texas Ratio?
Better Banks's Texas Ratio is 11.32% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.