BTC Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BTC Bank of Bethany, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.61% | 1.34% | -0.73% | 11th bottom |
| ROAE | 6.31% | 12.34% | -6.03% | 12th bottom |
| Net Interest Margin | 4.26% | 3.83% | +0.43% | 81st top |
| Efficiency Ratio | 74.39% | 58.97% | +15.42% | 12th bottom |
| PPNR / Avg Assets | 1.09% | — | — | 17th bottom |
| Yield on Earning Assets | 6.51% | 5.71% | +0.80% | 89th top |
| Cost of Funds | 2.24% | 2.02% | +0.22% | 34th below |
| Net Interest Spread | 3.48% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.87% | -0.15% | 46th below |
| NPA / Total Assets | 0.62% | — | — | 42nd below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 89th top |
| ACL / Total Loans | 1.15% | — | — | 50th above |
| ACL / NPLs (Coverage) | 160.34% | — | — | 47th below |
| Texas Ratio | 6.78% | 5.48% | +1.30% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.35% | 11.11% | -1.76% | 20th bottom |
| Equity / Assets | 9.12% | 11.02% | -1.90% | 24th bottom |
| TCE / Tangible Assets | 8.24% | — | — | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.02% | 86.99% | +20.03% | 7th bottom |
| Core Deposit Ratio | 93.62% | 85.57% | +8.05% | 77th top |
| Uninsured Deposit Ratio | 9.76% | 33.19% | -23.43% | 96th top |
| Wholesale Funding Ratio | 14.75% | — | — | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 35.66% | — | — | 96th top |
| Loan Growth (Y/Y) | 37.47% | — | — | 96th top |
| Deposit Growth (Y/Y) | 36.99% | — | — | 96th top |
See BTC Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BTC Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BTC Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BTC Bank peer analysis.