BlastPoint's Banking Scorecard

BTC Bank

$1B-$10B Specialty: Agricultural MO FDIC cert 10618

Designations: ✓ Community bank

Bethany, MO

31 branches across MO · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +37.0% year over year ($1.4B on the books).
Delinquency rate 0.73%.
Return on assets 0.90%.
Efficiency ratio 67.02% vs a 59.73% peer average.
Loan-to-deposit ratio 105.79% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

BTC Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.52% above tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 27.1% in tier
- Cost Spiral: Bottom 80.7% in tier
- Loan-to-Deposit Ratio 20.75% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.9B +35.7% YoY +18.1% QoQ	-$880.8M	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$1.5B +37.3% YoY +17.2% QoQ	-$432.0M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$1.4B +37.0% YoY +18.1% QoQ	-$871.4M	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	0.90% -32.1% YoY -27.0% QoQ	-0.49%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	4.39% -1.5% YoY +0.3% QoQ	+0.52%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	67.02% +15.1% YoY +15.6% QoQ	+7.29%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.73% -32.5% YoY -34.5% QoQ	-0.14%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	105.79% +0.2% YoY -0.7% QoQ	+20.75%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 6.9% in tier
Non-Interest-Bearing Deposit Share ?	21.80% -11.3% YoY -3.7% QoQ	+0.53%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.62% -27.7% YoY -33.6% QoQ	-0.06%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	9.35% -17.4% YoY -14.9% QoQ	-5.49%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 1.7% in tier
Non-Interest Income / Assets ?	0.11% -30.2% YoY +130.8% QoQ	-0.41%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Bottom 12.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	21.8% -2.8pp YoY -0.8pp QoQ	+0.4pp	21.4%	20.9%	22.2%	59%
Brokered Deposits	0.7% -0.8pp YoY -0.1pp QoQ	-8.7pp	9.5%	7.4%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	6.2% -1.6pp YoY +0.6pp QoQ	-7.8pp	14.0%	12.3%	12.5%	24%
CRE	14.7% +0.4pp YoY -1.2pp QoQ	-35.3pp	50.0%	36.8%	41.4%	2%
1-4 Family	22.1% +2.8pp YoY +2.3pp QoQ	-4.4pp	26.4%	31.9%	31.3%	47%
Consumer	1.9% 0.0pp YoY +0.3pp QoQ	-2.9pp	4.7%	4.1%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	18.5%	19.7%	n/a
Leverage Ratio	9.4% -2.0pp YoY -1.6pp QoQ	-2.0pp	11.3%	11.6%	12.6%	20%
Total Capital Ratio	n/a	n/a	16.7%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	277 +34 (+14.0%) YoY +35 (+14.5%) QoQ	-37	313	162	482	61%
Assets per Employee ($)	$6.9M +19.0% YoY +3.2% QoQ	-$3.6M	$10.5M	$8.0M	$8.8M	23%
Branch Count	30 +6 (+25.0%) YoY +4 (+15.4%) QoQ	+10	20	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY -0.3pp QoQ	-0.1pp	0.2%	0.3%	0.4%	67%
Nonaccrual	0.7% -0.3pp YoY -0.1pp QoQ	-0.2pp	0.8%	0.8%	1.0%	61%
Allowance Coverage	1.60x +67.0% YoY +65.6% QoQ	-17.11x	18.71x	10.47x	20.23x	40%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	8.9% -5.0pp YoY -2.6pp QoQ	-3.7pp	12.6%	14.3%	11.6%	25%
Cost of Funds (YTD)	2.3% 0.0pp YoY +0.1pp QoQ	+0.4pp	1.9%	1.8%	1.7%	77%
Net Income ($, YTD)	$7.6M -17.2% YoY — QoQ	-$11.6M	$19.2M	$11.3M	$40.4M	28%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#24 of 85 • Bottom 27.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.90%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

Cost Spiral

risk

#26 of 31 • Bottom 80.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 67.02%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

145

Net Interest Margin

profitability

Value: 4.39%

Peer Median: 3.87%

#145 of 885 Top 16.3% in $1B-$10B

Top Weaknesses (4 metrics)

871

Tier 1 Capital Ratio

capital

Value: 9.35%

Peer Median: 14.84%

#871 of 885 Bottom 1.7% in $1B-$10B

825

Loan-to-Deposit Ratio

liquidity

Value: 105.79%

Peer Median: 85.04%

#825 of 885 Bottom 6.9% in $1B-$10B

780

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.53%

#780 of 885 Bottom 12.0% in $1B-$10B

683

Return on Assets

profitability

Value: 0.90%

Peer Median: 1.39%

#683 of 885 Bottom 22.9% in $1B-$10B