Banterra Bank
Banterra Bank reported total assets of $3.4 bn at Q2 2026, up 4.6% on a year earlier, the 375th largest of 497 banks in our US coverage. The CET1 capital ratio at Banterra Bank was 9.85%, and the uninsured share of Banterra Bank was 19.06%. Source: FDIC Call Reports.
Key takeaways
- Banterra Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 9.85% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- On return on equity (ROE), Banterra Bank slipped from 112th to 174th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Banterra Bank apart
How large is Banterra Bank?
The balance sheet of Banterra Bank at : assets $3.4 bn, deposits $3.0 bn, net loans $2.6 bn (loans equal to 87.38% of deposits). Securities make up 16.1% of total assets at Banterra Bank. Since , when Banterra Bank held $1.3 bn, its assets grew 149.7%. In the year to , deposits at Banterra Bank rose 3.0% while its total assets rose 4.6%. At , Banterra Bank employed 425 full-time equivalent staff across 43 offices, about $7.9 mn of assets per employee and $70.1 mn of deposits per office.
How much funding at Banterra Bank is uninsured?
At Banterra Bank, uninsured deposits (above the FDIC limit) made up 19.06% of domestic deposits at (-0.24 pp on a year earlier); Banterra Bank ranks 416th of 500 on this measure. In dollars, Banterra Bank estimated $574.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.0 bn | +3.0% | 357th of 499 |
| Net loans and leases | $2.6 bn | +6.4% | 351st of 500 |
| Loan-to-deposit ratio | 87.38% | +2.78 pp | 245th of 500 |
| Tier 1 leverage ratio | 9.41% | +0.15 pp | 383rd of 500 |
| Total risk-based capital ratio | 10.73% | -0.36 pp | 448th of 448 |
| Net interest margin | 3.35% | +0.28 pp | 333rd of 500 |
| Return on assets (ROA) | 0.91% | +0.04 pp | 414th of 500 |
| Efficiency ratio | 65.33% | +2.10 pp | 398th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $11.6 mn | Rose by $7.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $43.2 mn | Narrowed by $20.0 mn | |
| Noncurrent loans to total loans | 0.37% | 0.00 pp | 133rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | -0.04 pp | 267th of 500 (1 = lowest) |
US rank of Banterra Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Banterra Bank: assets, deposits and loans
- Total assets $3.4bn
- Deposits $3.0bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Banterra Bank stood at 9.85% in , -0.09 pp year on year. Low and high at Banterra Bank since : 9.16% () to 11.44% (). Equity capital of Banterra Bank at : $226.0 mn, or 6.7% of total assets. Banterra Bank also reported a total capital ratio of 10.73% for , and a tier 1 leverage ratio of 9.41%.
On held-to-maturity securities, Banterra Bank carried an unrealized gain of $11.6 mn at , equal to 5.1% of equity capital. The gain rose by $7.4 mn over the year. The available-for-sale portfolio of Banterra Bank showed an unrealized loss of $43.2 mn at ; the loss narrowed by $20.0 mn over the year.
Banterra Bank: capital ratios
- Total capital 11%
- CET1 9.8%
- Tier 1 leverage 9.4%
Banterra Bank: unrealized securities gains and losses
- Available for sale -$43mn
- Held to maturity $12mn
Profitability and loan quality
For the year to , Banterra Bank earned a return on equity of 13.79%; return on assets: 0.91%. Net interest margin at Banterra Bank: 3.35%, +0.28 pp in a year. Banterra Bank net income: $15.1 mn, up 9.4% year on year. The efficiency ratio of Banterra Bank was 65.33%: about 65 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at Banterra Bank; net charge-offs: 0.10% of average loans. Gross loans and leases at Banterra Bank: $2.7 bn, up 6.4% in a year.
Banterra Bank: profitability
- Return on equity 14%
- Net interest margin 3.3%
- Return on assets 0.9%
Peer group of Banterra Bank
The peer group of Banterra Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Banterra Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Banterra Bank shows CET1 ratio 9.85% against a peer median of 12.18%, return on equity 13.79% against a peer median of 15.31% and uninsured deposit share 19.06% against a peer median of 31.06%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northrim Bank | State nonmember bank | AK | $3.4 bn | 12.38% | 17.64% | 38.94% | |
| First Dakota National Bank | National bank | SD | $3.4 bn | not reported | 17.36% | 32.75% | |
| Northern Bank & Trust Company | State nonmember bank | MA | $3.4 bn | 15.30% | 13.22% | 33.00% | |
| Banterra Bank | State nonmember bank | IL | $3.4 bn | 9.85% | 13.79% | 19.06% | |
| Lake Ridge Bank | State nonmember bank | WI | $3.4 bn | 11.97% | 10.11% | 29.38% | |
| Libertyville Bank & Trust Company | National bank | IL | $3.3 bn | 10.88% | 16.75% | 28.67% | |
| Austin Bank, Texas | National bank | TX | $3.3 bn | not reported | 13.87% | 26.04% | |
. FDIC Call Reports.
Last eight quarters
Two years at Banterra Bank, to : assets +8.5%, deposits +7.1%, equity +17.7%. Staff 438 to 425; offices 42 to 43.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.4 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn |
| Bank equity capital | $192.0 mn | $187.4 mn | $188.5 mn | $193.9 mn | $205.0 mn | $216.7 mn | $213.9 mn | $226.0 mn |
| CET1 ratio | 9.84% | 9.94% | 9.86% | 9.94% | 9.86% | 9.82% | 10.02% | 9.85% |
| Return on equity (ROE) | 2.66% | 4.66% | 8.18% | 14.53% | 13.56% | 13.12% | 12.79% | 13.79% |
| Uninsured share of domestic deposits | 20.88% | 19.38% | 19.26% | 19.30% | 20.69% | 20.24% | 19.99% | 19.06% |
| Full-time equivalent employees | 438 | 445 | 430 | 427 | 424 | 422 | 423 | 425 |
| Number of offices | 42 | 43 | 43 | 43 | 43 | 43 | 43 | 43 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Banterra Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Banterra Bank?
Banterra Bank reported $3.4 bn at in its Call Report. That makes Banterra Bank the 375th largest of 497 banks in our US coverage.
Is Banterra Bank the same as its holding company?
No. This page covers Banterra Bank, FDIC certificate 17514; BANTERRA CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Banterra Bank profitable?
Banterra Bank reported net income of $15.1 mn for the year to ; annualized return on equity: 13.79%. So yes: Banterra Bank made a profit over these months.
When is data for Banterra Bank next updated?
Figures from Banterra Bank for are due after .
Where can I check the figures for Banterra Bank?
In the FDIC BankFind Suite record for certificate 17514, and in the Call Reports of Banterra Bank (RSSD ID 502849) at the FFIEC Central Data Repository.