Banterra Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.76 percentage points lower than in Q1 2026, at 258.43%. Within Illinois, Banterra Bank is 207th of 323 on return on assets, 0.98% as of Q2 2026, below the middle of the field. Banterra Bank reported 0.98% on return on assets for Q2 2026, 0.29 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.85% |
| Tier 1 risk-based capital ratio | 9.85% |
| Total risk-based capital ratio | 10.73% |
| Tier 1 leverage ratio | 9.41% |
| Equity capital to assets | 6.73% |
| Tangible equity to tangible assets | 6.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 4.08% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 258.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 14.94% |
| Net interest margin | 3.43% |
| Efficiency ratio | 61.63% |
| Yield on earning assets | 5.59% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.22% |
| Core deposits to total deposits | 78.15% |
| Brokered deposits to total deposits | 14.00% |
| Deposits to assets | 89.73% |
| Securities to assets | 16.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.53% | 10.53% | 11.89% | 9.49% | 0.28% |
| Q4 2023 | 10.32% | 10.32% | 11.67% | 9.31% | 0.52% |
| Q1 2024 | 10.47% | 10.47% | 11.84% | 9.21% | -0.02% |
| Q2 2024 | 10.16% | 10.16% | 11.39% | 9.40% | 0.33% |
| Q3 2024 | 9.84% | 9.84% | 11.08% | 9.18% | 0.18% |
| Q4 2024 | 9.94% | 9.94% | 11.18% | 9.22% | 0.64% |
| Q1 2025 | 9.86% | 9.86% | 11.12% | 9.16% | 0.48% |
| Q2 2025 | 9.94% | 9.94% | 11.09% | 9.26% | 1.22% |
| Q3 2025 | 9.86% | 9.86% | 11.02% | 9.22% | 0.72% |
| Q4 2025 | 9.82% | 9.82% | 10.97% | 9.18% | 0.76% |
| Q1 2026 | 10.02% | 10.02% | 11.20% | 9.21% | 0.82% |
| Q2 2026 | 9.85% | 9.85% | 10.73% | 9.41% | 0.98% |
Banterra Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banterra Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Banterra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17514) · FFIEC NIC profile (RSSD 502849)