BlastPoint's Banking Scorecard
BTC Bank
Designations: ✓ Community bank
Bethany, MO
30 branches across MO · IA
BTC Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + Efficiency Ratio 3.08% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.38% above tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.14% below tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+16.1% YoY
+3.8% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$1.3B
+19.4% YoY
+5.4% QoQ
|
-$658.7M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$1.2B
+20.4% YoY
+5.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.23%
-1.1% YoY
-7.6% QoQ
|
-0.14% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
4.38%
-0.1% YoY
-3.8% QoQ
|
+0.56% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
57.98%
-2.8% YoY
-0.4% QoQ
|
-3.08% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
1.11%
+19.3% YoY
+36.8% QoQ
|
+0.22% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
106.59%
-0.8% YoY
-0.4% QoQ
|
+22.38% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.64%
-10.9% YoY
-5.4% QoQ
|
+1.35% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.93%
+27.1% YoY
+43.6% QoQ
|
+0.25% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
10.99%
+22.4% YoY
-0.7% QoQ
|
-4.17% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.05%
-38.5% YoY
-83.9% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.