Banterra Bank
BankRegReports is independent of Banterra Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Banterra Bank is an FDIC-insured commercial bank headquartered in Marion, IL, established in 1955 (FDIC certificate 17514), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.36B, up 4.6% from Q2 2025, the 24th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 9.85% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17514
- Headquarters
- Marion, IL
- Established
- 1955
- Total assets, Q2 2026
- $3.36B
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 9.85%
- Domestic offices
- 43 FDIC institution directory, current count
- Routing number
- 081222593
- Holding company
- BANTERRA CORP
- Asset rank in state
- 24th of 319 in Illinois
Banterra Bank operates with a thinner capital cushion than most banks of its size. The Marion, Illinois bank had $3.4 billion in assets at June 30, 2026, up 4.6% from a year earlier. It holds common equity equal to 9.85% 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%). On the other hand, it holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 30.9%).
Net income for the quarter slipped 18% from a year earlier, to $8.2 million. Over the same year, loans grew 6.4% and deposits grew 3.0%.
As of June 30, 2026, Banterra Bank reported a CET1 capital ratio of 9.85%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 4.04%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Banterra Bank is the 24th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $3.36B, loans rose 4.3% and deposits rose 0.3%. Other consumer loans made up 31.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.2%. Its 40 offices in the FDIC Summary of Deposits are in 30 cities across 6 states; its Marion 6 offices book 11% of its branch deposits. Judged on its Q2 2026 call report, Banterra Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3201 Banterra Dr, Marion, IL 62959
- County
- Williamson
- Metro Area
- Marion-Herrin, 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 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- November 26, 1955
- Former names
- Banterra Bank of Marion (1989-1993); Bank of Egypt (1971-1989)
- Domestic offices
- 43 FDIC institution directory, current count
- Employees (FTE)
- 425
- Domestic deposits
- $3.01B
- Allowance for credit losses
- $25.2M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $3.34B
- Average total loans
- $2.61B
- Average interest-bearing deposits
- $2.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 26, 1955
- FDIC Cert
- 17514
- Fed RSSD
- 502849
- Website
- www.banterra.bank →
- Parent Holding Company
- BANTERRA CORP (RSSD 3202832)
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, Banterra Bank's total assets ranged from $3.00B (Q3 2023) to $3.36B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.36B total assets against $3.21B; $3.13B total liabilities against $3.02B.
$2.63B net loans and leases against $2.48B; $3.01B total deposits against $2.93B.
$540.6M securities against $523.2M; $52.2M cash and balances due against $73.6M.
$43.9M total interest income against $43.4M; $17.3M total interest expense against $18.9M.
$26.6M net interest income against $24.5M.
$3.2M total noninterest income against $3.9M; $18.9M total noninterest expense against $14.8M.
$1.1M provision for credit losses against $1.6M.
$8.2M net income against $9.9M.
0.98% return on assets against 1.22%; 3.43% net interest margin against 3.26%.
9.85% CET1 capital ratio against 9.94%; 9.41% tier 1 leverage ratio against 9.26%.
Inside the full Banterra Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Banterra Bank rankings
Its closest position to the top of a national ranking is 374 of 4,196, for total assets; its furthest is 2,110 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 1.22% (Q2 2025) and its net interest margin ran from 2.53% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.85% | 0.98% | 0.37% | 4.04% | 3.43% |
| Q1 2026 | 10.02% | 0.82% | 0.35% | 3.90% | 3.32% |
| Q4 2025 | 9.82% | 0.76% | 0.35% | 3.89% | 3.33% |
| Q3 2025 | 9.86% | 0.72% | 0.36% | 4.15% | 3.21% |
| Q2 2025 | 9.94% | 1.22% | 0.37% | 4.46% | 3.26% |
| Q1 2025 | 9.86% | 0.48% | 0.33% | 4.02% | 2.92% |
| Q4 2024 | 9.94% | 0.64% | 0.31% | 3.71% | 2.85% |
| Q3 2024 | 9.84% | 0.18% | 0.33% | 3.84% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View all 40 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 |
|---|---|---|---|
| Banterra Bank (main office) | Marion , IL | 62959 | $256.2M |
| Cape - 4500 | Cape Girardeau , MO | 63701 | $245.6M |
| Paducah East-3000 | Paducah , KY | 42003 | $217.6M |
| Mt. Vernon - 1900 | Mount Vernon , IL | 62864 | $214.8M |
| West Frankfort - 1000 | West Frankfort , IL | 62896 | $164.7M |
| Evansvile East - 4000 | Evansville , IN | 47715 | $156.2M |
| Vienna - 3100 | Vienna , IL | 62995 | $144.5M |
| Ridgway Branch - 2000 | Ridgway , IL | 62979 | $132.6M |
| Carbondale Facility | Carbondale , IL | 62901 | $114.2M |
| Christopher - 1400 | Christopher , IL | 62822 | $107.2M |
| Sun Canyon Bank | Sun City West , AZ | 85375 | $93.7M |
| Duquion - 1200 | Du Quoin , IL | 62832 | $87.8M |
| Mcleansboro Branch - 2300 | Mcleansboro , IL | 62859 | $85.7M |
| Harrisburg - 2500 | Harrisburg , IL | 62946 | $82.8M |
| Norris City Branch - 2200 | Norris City , IL | 62869 | $77.3M |
| Metropolis - 3200 | Metropolis , IL | 62960 | $71.4M |
| Eldorado - 2100 | Eldorado , IL | 62930 | $69.6M |
| Carterville - 1600 | Carterville , IL | 62918 | $64.1M |
| Evansville West - 4200 | Evansville , IN | 47712 | $60.3M |
| Johnston City Facility | Johnston City , IL | 62951 | $50.5M |
| Cottonwood Heights Branch | Cottonwood Heights , UT | 84047 | $47.4M |
| Golconda - 8200 Branch | Golconda , IL | 62938 | $47.3M |
| Paducah West-3300 | Paducah , KY | 42001 | $45.8M |
| Newburgh - 4100 | Newburgh , IN | 47630 | $44.2M |
| Carbon St - 400 | Marion , IL | 62959 | $42.0M |
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 |
|---|---|---|---|
| October 4, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 2014 | Structure Change | Acquired Area Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2000 | Structure Change | Acquired The National State Bank of Metropolis Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 14, 2000 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 19, 1999 | Structure Change | Acquired Heartland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 1998 | Structure Change | Acquired Banterra Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IL, rank 44 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 419 applications, 213 loans originated, $144.6M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $6.3M approved, $522K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Banterra Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Banterra Bank
What are Banterra Bank's total assets?
As of the Q2 2026 filing, Banterra Bank reported total assets of $3.36 billion in its FFIEC call report.
Where is Banterra Bank headquartered?
It is headquartered in Marion, IL, United States.
When was Banterra Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Banterra Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banterra Bank?
Banterra Bank's primary federal regulator is the FDIC.
What is Banterra Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.85% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Banterra Bank operate?
It operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banterra Bank's Texas Ratio?
Its Texas Ratio is 4.04% 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 Banterra Bank previously called?
The charter now named Banterra Bank has also operated as Banterra Bank of Marion (1989-1993), Bank of Egypt (1971-1989), per FDIC structure-change records.
Go deeper on Banterra Bank.
Get an email when Banterra Bank files its next call report, and benchmark it against any peer you choose.
Unlock Banterra Bank, freeFree account