BTC Bank
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Data as of · sourced from FFIEC call reports. How we update
BTC Bank is an FDIC-insured commercial bank headquartered in Bethany, MO, established in 1919 (FDIC certificate 10618), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.91B, up 35.7% from Q2 2025, the 20th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10618
- Headquarters
- Bethany, MO
- Established
- 1919
- Total assets, Q2 2026
- $1.91B
- Assets vs Q2 2025
- +35.7%
- Tier 1 leverage ratio, Q2 2026
- 9.35%
- Domestic offices
- 30 FDIC institution directory, current count
- Routing number
- 101916307
- Latest call report
- Q2 2026, FFIEC 051 · BTC Bank call report
- Holding company
- BETHANY BANKSHARES, INC.
- Asset rank in state
- 20th of 191 in Missouri
BTC Bank is growing quickly. It reported $1.9 billion in assets at June 30, 2026, up 35.7% from a year earlier. It holds 10% of its deposits (10%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 0.8 times its capital, about a third the median of 2.2 times for banks its size.
Earnings fell sharply: quarterly net income of $2.7 million was 44% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.72% of loans, down from 1.07% a year earlier. Profitability lags: it earns about $0.61 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, BTC Bank reported a return on assets of 0.61%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 6.78%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, BTC Bank is the 20th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 18.1% to $1.91B, loans rose 17.3% and deposits rose 18.1%. Farmland and other real estate loans made up 37.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.8%. The FDIC Summary of Deposits lists 30 offices for it, in 27 cities across 2 states; its Bethany office books 20% of its branch deposits. Judged on its Q2 2026 call report, BTC Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3606 Miller St, Bethany, MO 64424
- County
- Harrison
- 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 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 19, 1919
- Domestic offices
- 30 FDIC institution directory, current count
- Employees (FTE)
- 277
- Domestic deposits
- $1.45B
- Allowance for credit losses
- $17.9M
- Net charge-offs (YTD)
- -$24K
- Average total assets
- $1.79B
- Average total loans
- $1.50B
- Average interest-bearing deposits
- $1.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10618
- Fed RSSD
- 1009242
- SEC CIK
- 870274 → filed by BETHANY BANKSHARES, INC.
- Website
- btcbank.bank →
- Parent Holding Company
- BETHANY BANKSHARES, INC. (RSSD 1905009)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, BTC Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
BTC Bank's total assets moved between a low of $1.12B (Q3 2023) and a high of $1.91B (Q2 2026) from Q3 2023 to 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
$1.91B total assets against $1.41B; $1.74B total liabilities against $1.25B.
$1.53B net loans and leases against $1.12B; $1.45B total deposits against $1.06B.
$204.3M securities against $169.5M; $54.4M cash and balances due against $33.8M.
$28.1M total interest income against $22.0M; $9.8M total interest expense against $7.4M.
$18.4M net interest income against $14.6M.
$1.4M total noninterest income against $1.2M; $14.9M total noninterest expense against $9.1M.
$900K provision for credit losses against $600K.
$2.7M net income against $4.9M.
0.61% return on assets against 1.38%; 4.26% net interest margin against 4.41%.
9.35% tier 1 leverage ratio against 11.32%.
Inside the full BTC 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
BTC Bank rankings
Its closest position to the top of a national ranking is 618 of 4,196, for total assets; its furthest is 939 of 980, for uninsured deposits.
Banks merged into BTC Bank
- Tri-County Trust Company, effective June 13, 2026
- The Tipton Latham Bank, National Association, effective April 18, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q2 2026) to 1.38% (Q2 2025) and its net interest margin ran from 4.07% (Q3 2024) to 4.61% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.35% | 0.61% | 0.72% | 6.78% | 4.26% |
| Q1 2026 | 10.99% | 1.25% | 1.10% | 8.59% | 4.38% |
| Q4 2025 | 11.06% | 1.34% | 0.80% | 5.91% | 4.61% |
| Q3 2025 | 11.39% | 1.34% | 0.99% | 7.10% | 4.53% |
| Q2 2025 | 11.32% | 1.38% | 1.07% | 7.59% | 4.41% |
| Q1 2025 | 8.97% | 1.23% | 0.92% | 8.34% | 4.26% |
| Q4 2024 | 8.94% | 1.21% | 0.35% | 3.25% | 4.28% |
| Q3 2024 | 9.01% | 1.04% | 0.45% | 3.98% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 30 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 |
|---|---|---|---|
| BTC Bank (main office) | Bethany , MO | 64424 | $284.7M |
| Tipton Branch | Tipton , MO | 65081 | $168.4M |
| Chillicothe Branch | Chillicothe , MO | 64601 | $103.3M |
| Salisbury Branch | Salisbury , MO | 65281 | $95.0M |
| Boonville Branch | Boonville , MO | 65233 | $76.8M |
| Trenton Branch | Trenton , MO | 64683 | $73.7M |
| Jamesport Branch | Jamesport , MO | 64648 | $72.0M |
| Gallatin Branch | Gallatin , MO | 64640 | $65.1M |
| Albany Branch | Albany , MO | 64402 | $64.7M |
| Carrollton Branch | Carrollton , MO | 64633 | $58.1M |
| Glasgow Branch | Glasgow , MO | 65254 | $52.5M |
| Cameron South Branch | Cameron , MO | 64429 | $52.4M |
| Zook & Roecker Branch | Oregon , MO | 64473 | $39.7M |
| Lamoni Branch | Lamoni , IA | 50140 | $36.3M |
| The Bank of Fairport Branch | Maysville , MO | 64469 | $36.0M |
| Beaman Branch | Smithton , MO | 65350 | $34.1M |
| Platte-Clay Way Branch | Cameron , MO | 64429 | $29.2M |
| Pattonsburg Branch | Pattonsburg , MO | 64670 | $25.0M |
| Sedalia Branch | Sedalia , MO | 65301 | $21.0M |
| FayetteBoonslick Branch | Fayette , MO | 65248 | $12.6M |
| The Bank of Fairport - Osborn Branch | Osborn , MO | 64474 | $10.7M |
| Hardin Federal Savings Bank Branch | Hardin , MO | 64035 | $9.2M |
| Buffalo Branch | Buffalo , MO | 65622 | $8.1M |
| Chillicothe North Branch | Chillicothe , MO | 64601 | $6.5M |
| Bunceton Branch | Bunceton , MO | 65237 | $5.8M |
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 |
|---|---|---|---|
| June 13, 2026 | Structure Change | Acquired Tri-County Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2026 | Structure Change | Acquired The Tipton Latham Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2022 | Structure Change | Acquired The Merchants and Farmers Bank of Salisbury Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2021 | Structure Change | Acquired 1st Cameron State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2021 | Structure Change | Acquired Home Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2019 | Structure Change | Acquired The Bank of Fairport Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 1998 | Structure Change | Acquired Bank of Gallatin/First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MO, rank 30 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 607 applications, 524 loans originated, $79.4M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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
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Frequently asked about BTC Bank
What are BTC Bank's total assets?
As of the Q2 2026 filing, BTC Bank reported total assets of $1.91 billion in its FFIEC call report.
Where is BTC Bank headquartered?
It is headquartered in Bethany, MO, United States.
When was BTC Bank founded?
It was established in 1919, per the FDIC institution directory.
Is BTC Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BTC Bank?
BTC Bank's primary federal regulator is the FDIC.
How many branches does BTC Bank operate?
It operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BTC Bank's Texas Ratio?
Its Texas Ratio is 6.78% 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.
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