Banterra Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Banterra Bank is a community bank chartered in 1955, based in Marion, IL, during the postwar banking-system expansion. Banterra's Q2 2026 balance sheet shows $3.4B in assets funded primarily by $3.0B in customer deposits. Earnings are mid-range, 0.98% ROA and a 3.43% net interest margin. Capital cushions are healthy: 9.85% CET1, 9.41% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.37%. Banterra operates a 43-branch network.
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%, a Texas ratio of 4.08%, per financial data filed with the FFIEC.
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)
- Offices
- 43 domestic
- Employees (FTE)
- 425
- Domestic deposits
- $3.01B
- Allowance for credit losses
- $25.2M
- Net charge-offs (YTD)
- $1.3M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Banterra Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Banterra 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.85% | 0.98% | 0.37% | 4.08% | 3.43% |
| Q1 2026 | 10.02% | 0.82% | 0.35% | 3.94% | 3.32% |
| Q4 2025 | 9.82% | 0.76% | 0.35% | 3.96% | 3.33% |
| Q3 2025 | 9.86% | 0.72% | 0.36% | 4.22% | 3.21% |
| Q2 2025 | 9.94% | 1.22% | 0.37% | 4.55% | 3.26% |
| Q1 2025 | 9.86% | 0.48% | 0.33% | 4.11% | 2.92% |
| Q4 2024 | 9.94% | 0.64% | 0.30% | 3.78% | 2.85% |
| Q3 2024 | 9.84% | 0.18% | 0.33% | 3.90% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 40 branches →
| 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 of Christopher 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
What the public regulatory sources show for Banterra Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 44 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banterra Bank headquartered?
Banterra Bank is headquartered in Marion, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Banterra Bank founded?
Banterra Bank was established in 1955, per the FDIC institution directory.
Is Banterra Bank FDIC-insured?
Yes. Banterra Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banterra Bank's CET1 capital ratio?
Banterra Bank 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?
Banterra Bank 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?
Banterra Bank's Texas Ratio is 4.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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