BTH Bank (merged into Origin Bank)

National bank with its head office in Quitman, Texas, established in 1914 according to the FDIC.
Merged. BTH Bank merged into Origin Bank on (FDIC: merger -without assistance). Its data ends with the Call Report for ; figures on this page are from that report or earlier.

BTH Bank reported total assets of $1.8 bn at Q3 2022, its last Call Report before it merged into Origin Bank. The CET1 capital ratio at BTH Bank was 14.67%, and the uninsured share of BTH Bank was 59.40%. Source: FDIC Call Reports.

Total assets
$1.8 bn
A year earlier (Q3 2021): $2.0 bn
CET1 capital ratio
14.67%
No figure for a year earlier
Return on equity
-1.83%
A year earlier (Q3 2021): 8.79%
Uninsured share of deposits
59.40%
A year earlier (Q3 2021): 51.47%

What sets BTH Bank apart

Nothing in the latest data sets BTH Bank apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.

How large is BTH Bank?

The balance sheet of BTH Bank at : assets $1.8 bn, deposits $1.5 bn, net loans $1.2 bn (loans equal to 84.12% of deposits). Securities make up 0.5% of total assets at BTH Bank. Since , when BTH Bank held $997.4 mn, its assets grew 82.6%. In the year to , deposits at BTH Bank fell 14.2% while its total assets fell 7.7%. At , BTH Bank employed 115 full-time equivalent staff across 13 offices, about $15.8 mn of assets per employee and $111.8 mn of deposits per office.

How much funding at BTH Bank is uninsured?

At BTH Bank, uninsured deposits (above the FDIC limit) made up 59.40% of domestic deposits at (+7.93 pp on a year earlier). In dollars, BTH Bank estimated $862.9 mn of uninsured deposits.

Key facts, Q3 2022

MetricValueA year earlierUS rank
Total deposits$1.5 bn$1.7 bn (Q3 2021)
Net loans and leases$1.2 bn$1.2 bn (Q3 2021)
Loan-to-deposit ratio84.12%72.48% (Q3 2021)
Tier 1 leverage ratio11.96%12.80% (Q3 2021)
Total risk-based capital ratio15.93%not available
Net interest margin1.00%2.90% (Q3 2021)
Return on assets (ROA)-0.26%1.15% (Q3 2021)
Efficiency ratio46.65%39.84% (Q3 2021)
Unrealized gain/loss on available-for-sale securitiesLoss of $617,000Turned from a gain into a loss
Noncurrent loans to total loans0.66%4.23% (Q3 2021)
Net charge-offs to average loans0.73%0.80% (Q3 2021)

US rank of BTH Bank: 1 = highest unless marked 1 = lowest.

Balance sheet

BTH Bank: assets, deposits and loans

USD bn
Total assets, deposits and net loans of BTH Bank each quarter; total assets were $1.8 bn at Q3 2022$636mn$1.0bn$1.4bn$1.8bn$2.1bn201820202022Total assets$1.8bnDeposits$1.5bnNet loans$1.2bnTotal assets, deposits and net loans of BTH Bank each quarter; total assets were $1.8 bn at Q3 2022$636mn$1.1bn$1.6bn$2.1bn201820202022
  • Total assets $1.8bn
  • Deposits $1.5bn
  • Net loans $1.2bn
to . FDIC Call Reports.

Capital and securities

The CET1 ratio of BTH Bank stood at 14.67% in . Low and high at BTH Bank since : 13.52% () to 17.81% (). Equity capital of BTH Bank at : $345.4 mn, or 19.0% of total assets. BTH Bank also reported a total capital ratio of 15.93% for , and a tier 1 leverage ratio of 11.96%.

The available-for-sale portfolio of BTH Bank showed an unrealized loss of $617,000 at ; the loss turned from a gain into a loss over the year.

BTH Bank: capital ratios

Percent
CET1, total risk-based capital and tier 1 leverage ratios of BTH Bank, Q1 2016 to Q3 202210%12%15%17%19%201820202022Total capital16%CET115%Tier 1 leverage12%CET1, total risk-based capital and tier 1 leverage ratios of BTH Bank, Q1 2016 to Q3 202210%13%16%19%201820202022
  • Total capital 16%
  • CET1 15%
  • Tier 1 leverage 12%
to . FDIC Call Reports.

BTH Bank: unrealized securities gains and losses

USD bn
Unrealized gains and losses on available-for-sale and held-to-maturity securities of BTH Bank, Q1 2016 to Q3 2022-$34mn-$21mn-$8mn$6mn$19mn201820202022Held to maturity$0Available for sale-$617,000Unrealized gains and losses on available-for-sale and held-to-maturity securities of BTH Bank, Q1 2016 to Q3 2022-$34mn-$17mn$1mn$19mn201820202022
  • Available for sale -$617,000
  • Held to maturity $0
to . FDIC Call Reports.

Profitability and loan quality

For the year to , BTH Bank earned a return on equity of -1.83%; return on assets: -0.26%. Net interest margin at BTH Bank: 1.00%, -1.90 pp in a year. BTH Bank net income: -$3.7 mn, down 121.3% year on year. The efficiency ratio of BTH Bank was 46.65%: about 47 cents cost per revenue dollar, against 58 cents at the median peer.

At , noncurrent loans were 0.66% of total loans at BTH Bank; net charge-offs: 0.73% of average loans. Gross loans and leases at BTH Bank: $1.2 bn at , against $1.2 bn at .

BTH Bank: profitability

Percent, annualized
Return on equity, net interest margin and return on assets of BTH Bank, Q1 2016 to Q3 2022-2.8%1.6%6.0%10%15%201820202022Net interest margin1.0%Return on assets-0.3%Return on equity-1.8%Return on equity, net interest margin and return on assets of BTH Bank, Q1 2016 to Q3 2022-2.8%3.1%9.0%15%201820202022
  • Return on equity -1.8%
  • Net interest margin 1.0%
  • Return on assets -0.3%
to . FDIC Call Reports.

Peer group of BTH Bank

The peer group of BTH Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of BTH Bank (national bank) and 1 has its head office in Texas. Against them, BTH Bank shows CET1 ratio 14.67% against a peer median of 13.32%, return on equity -1.83% against a peer median of 13.98% and uninsured deposit share 59.40% against a peer median of 35.09%.

BankCharterStateTotal assetsCET1 ratioReturn on equityUninsured share
ESSA Bank & TrustState-chartered stock savings bankPA$1.9 bn12.16%10.11%35.53%
WebBankState nonmember bankUT$1.8 bn14.99%17.26%10.68%
Planters Bank & Trust CompanyState nonmember bankMS$1.8 bn14.47%11.14%38.75%
BTH BankNational bankTX$1.8 bn14.67%-1.83%59.40%
State Bank of TexasState nonmember bankTX$1.8 bnnot reported30.83%35.86%
State Bank of the LakesNational bankIL$1.8 bn10.75%9.29%20.88%
Guaranty Bank and Trust CompanyState nonmember bankMS$1.8 bnnot reported16.82%34.66%

. FDIC Call Reports.

Last eight quarters

Two years at BTH Bank, to : assets $2.0 bn to $1.8 bn, deposits $1.7 bn to $1.5 bn, equity $254.8 mn to $345.4 mn.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022
Total assets$2.0 bn$2.1 bn$2.0 bn$2.0 bn$2.0 bn$1.9 bn$1.9 bn$1.8 bn
Total deposits$1.7 bn$1.8 bn$1.7 bn$1.7 bn$1.7 bn$1.7 bn$1.6 bn$1.5 bn
Bank equity capital$254.8 mn$256.2 mn$262.9 mn$267.2 mn$251.7 mn$241.2 mn$228.5 mn$345.4 mn
CET1 rationot reportednot reportednot reportednot reportednot reportednot reportednot reported14.67%
Return on equity (ROE)8.07%7.99%8.04%8.79%9.88%13.02%13.92%-1.83%
Uninsured share of domestic deposits48.39%50.64%49.27%51.47%52.72%51.62%58.06%59.40%
Full-time equivalent employees115116119116118121118115
Number of offices1313131313131313

FDIC Call Reports.

Mergers and acquisitions

The FDIC history of BTH Bank, oldest first; figures before and after each event are not like for like.

  1. . Merged into Origin Bank (FDIC certificate 12614).

Questions and identifiers

What were the total assets of BTH Bank?

BTH Bank reported $1.8 bn at in its Call Report.

Is BTH Bank the same as its holding company?

No. This page covers BTH Bank, FDIC certificate 3402; ORIGIN BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.

Is BTH Bank profitable?

BTH Bank reported net income of -$3.7 mn for the year to ; annualized return on equity: -1.83%. So no: BTH Bank made a loss over these months.

When is data for BTH Bank next updated?

BTH Bank no longer files Call Reports; its data ends at .

Where can I check the figures for BTH Bank?

In the FDIC BankFind Suite record for certificate 3402, and in the Call Reports of BTH Bank (RSSD ID 24668) at the FFIEC Central Data Repository.