BlastPoint's Banking Scorecard

Banterra Bank

$1B-$10B Specialty: Commercial IL FDIC cert 17514

Marion, IL

43 branches across IL · IN · AZ · MO · KY · UT

884 banks in the $1B-$10B peer group nationally 50 in IL

Banterra Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.6% in tier
- Capital Thin: Bottom 10.9% in tier
- Credit Quality Pressure: Bottom 12.9% in tier
- ROA 0.52% below tier average
- Net Interest Margin 0.49% below tier average
- Efficiency Ratio 6.25% above tier average

Get updates when Banterra Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.3B +2.8% YoY -0.9% QoQ	+$444.6M	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$2.5B +3.5% YoY -0.8% QoQ	+$559.6M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$3.0B +3.9% YoY +0.9% QoQ	+$662.5M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.84% +72.0% YoY +3.6% QoQ	-0.52%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.33% +15.3% YoY +5.4% QoQ	-0.49%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	67.31% -11.9% YoY +0.5% QoQ	+6.25%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.35% +6.3% YoY +0.1% QoQ	-0.53%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	83.98% -0.4% YoY -1.6% QoQ	-0.22%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	16.93% +1.2% YoY +3.8% QoQ	-4.36%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.27% +7.1% YoY +0.2% QoQ	-0.40%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	10.02% +1.6% YoY +2.0% QoQ	-5.14%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 5.0% in tier
Non-Interest Income / Assets ?	0.09% +1.4% YoY -76.4% QoQ	-0.17%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	29%

Get Full Access to Banterra Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Credit Risk Growth

risk

#33 of 420 • Bottom 7.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#25 of 221 • Bottom 10.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.02%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#67 of 513 • Bottom 12.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

200

Total Deposits

size

Value: $3.01B

Peer Median: $2.34B

#200 of 884 Top 22.5% in $1B-$10B

203

Total Loans

size

Value: $2.52B

Peer Median: $1.96B

#203 of 884 Top 22.9% in $1B-$10B

Top Weaknesses (2 metrics)

841

Tier 1 Capital Ratio

capital

Value: 10.02%

Peer Median: 15.16%

#841 of 884 Bottom 5.0% in $1B-$10B

688

Return on Assets

profitability

Value: 0.84%

Peer Median: 1.37%

#688 of 884 Bottom 22.3% in $1B-$10B