Bankers Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Bankers Trust Company is an FDIC-insured commercial bank headquartered in Des Moines, IA, established in 1917 (FDIC certificate 953), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.83B, up 3.8% from Q2 2025, the 2nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 953
- Headquarters
- Des Moines, IA
- Established
- 1917
- Total assets, Q2 2026
- $7.83B
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 10.95%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 073000642
- Latest call report
- Q2 2026, FFIEC 041 · Bankers Trust Company call report
- Holding company
- BTC FINANCIAL CORPORATION
- Asset rank in state
- 2nd of 225 in Iowa
Bankers Trust Company operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $7.8 billion at June 30, 2026, up 3.8% from a year earlier; it is based in Des Moines, Iowa. It holds common equity equal to 10.95% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (57%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 1.5% and deposits rose 19.3%. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.31% of loans, against 0.03% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Bankers Trust Company reported a CET1 capital ratio of 10.95%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bankers Trust Company is the 2nd largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.9% to $7.83B, loans rose 2.2% and deposits rose 14.8%. Non-owner-occupied commercial real estate loans made up 38.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.0%. Its 21 offices in the FDIC Summary of Deposits are in 12 cities across 3 states; its Des Moines 7 offices book 76% of its branch deposits. On its Q2 2026 call report, Bankers Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 453 7th St, Des Moines, IA 50309
- County
- Polk
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 1, 1917
- Former names
- Bankers Trust Company, National Association (1999-2009)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 592
- Domestic deposits
- $6.72B
- Allowance for credit losses
- $82.1M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $7.93B
- Average total loans
- $5.96B
- Average interest-bearing deposits
- $6.63B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 953
- Fed RSSD
- 811046
- Website
- www.bankerstrust.com →
- Parent Holding Company
- BTC FINANCIAL CORPORATION (RSSD 1201671)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bankers Trust Company's total assets ranged from $6.50B (Q3 2023) to $7.83B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.83B total assets against $7.54B; $7.09B total liabilities against $6.89B.
$5.94B net loans and leases against $5.86B; $6.72B total deposits against $5.63B.
$1.21B securities against $1.11B; $297.4M cash and balances due against $150.5M.
$100.4M total interest income against $98.1M; $46.4M total interest expense against $46.5M.
$54.0M net interest income against $51.6M.
$11.2M total noninterest income against $11.9M; $38.5M total noninterest expense against $36.9M.
$2.5M provision for credit losses against $3.1M.
$20.9M net income against $19.4M.
1.05% return on assets against 1.03%; 2.89% net interest margin against 2.93%.
10.95% CET1 capital ratio against 10.29%; 10.10% tier 1 leverage ratio against 9.87%.
Inside the full Bankers Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bankers Trust Company rankings
Its closest position to the top of a national ranking is 196 of 4,196, for total assets; its furthest is 1,968 of 2,134, for CET1 ratio.
Metric pages for Bankers Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 1.19% (Q4 2025) and its net interest margin ran from 2.76% (Q3 2024) to 3.03% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.05% | 0.31% | 2.24% | 2.89% |
| Q1 2026 | 10.90% | 1.06% | 0.17% | 1.22% | 3.01% |
| Q4 2025 | 10.73% | 1.19% | 0.05% | 0.40% | 3.03% |
| Q3 2025 | 10.57% | 1.17% | 0.05% | 0.36% | 2.96% |
| Q2 2025 | 10.29% | 1.03% | 0.03% | 0.23% | 2.93% |
| Q1 2025 | 10.30% | 0.93% | 0.06% | 0.51% | 2.84% |
| Q4 2024 | 10.01% | 0.92% | 0.06% | 0.53% | 2.85% |
| Q3 2024 | 10.04% | 1.00% | 0.12% | 0.97% | 2.76% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bankers Trust Company (main office) | Des Moines , IA | 50309 | $4.51B |
| Bankers Trust Company Cedar Rapids Branch | Cedar Rapids , IA | 52401 | $399.9M |
| Bankers Trust Phoenix | Phoenix , AZ | 85016 | $394.7M |
| Windsor Heights Branch | Des Moines , IA | 50324 | $202.2M |
| Clive Branch | Clive , IA | 50325 | $169.1M |
| Bankers Trust Company Ames Branch | Ames , IA | 50010 | $168.1M |
| North Branch | Des Moines , IA | 50310 | $168.1M |
| Omaha Branch | Elkhorn , NE | 68022 | $145.8M |
| South Branch | Des Moines , IA | 50315 | $112.2M |
| Bankers Trust Ankeny Office | Ankeny , IA | 50023 | $71.7M |
| West Des Moines Branch | West Des Moines , IA | 50266 | $61.1M |
| Grimes Branch | Grimes , IA | 50111 | $59.6M |
| East Branch | Des Moines , IA | 50313 | $56.7M |
| Bankers Trust Altoona | Altoona , IA | 50009 | $54.0M |
| Sagewood Br | Phoenix , AZ | 85050 | $41.8M |
| Sun Health Grandview Terrace | Sun City West , AZ | 85375 | $29.6M |
| Downtown Branch | Des Moines , IA | 50309 | $29.6M |
| Blairs Ferry Branch | Cedar Rapids , IA | 52402 | $28.7M |
| North Scottsdale Branch | Scottsdale , AZ | 85255 | $10.7M |
| Bankers Trust Mobile Cr Main Branch | Cedar Rapids , IA | 52401 | $0 |
| Mobile Windsor Heights Branch | Des Moines , IA | 50324 | $0 |
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 |
|---|---|---|---|
| January 1, 2016 | M&A | Acquired Bankers Trust Company merger for the acquired bank | SEC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Bankers Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2009 | M&A | Acquired Bankers Trust Company, National Association merger for the acquired bank | SEC |
| September 1, 2009 | Structure Change | Acquired Bankers Trust Company, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 8, 1991, Federal Reserve: Written Agreement: Bankers Trust Company, Des Moines, IA
- Period: Most recent institution action April 8, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in IA, rank 4 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 914 applications, 716 loans originated, $389.0M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $3.3M approved, $333K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bankers Trust Company
What are Bankers Trust Company's total assets?
As of the Q2 2026 filing, Bankers Trust Company reported total assets of $7.83 billion in its FFIEC call report.
Where is Bankers Trust Company headquartered?
It is headquartered in Des Moines, IA, United States.
When was Bankers Trust Company founded?
It was established in 1917, per the FDIC institution directory.
Is Bankers Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankers Trust Company?
Bankers Trust Company's primary federal regulator is the FDIC.
What is Bankers Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bankers Trust Company operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankers Trust Company's Texas Ratio?
Its Texas Ratio is 2.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bankers Trust Company previously called?
The charter now named Bankers Trust Company has also operated as Bankers Trust Company, National Association (1999-2009), per FDIC structure-change records.
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