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

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 49 in IL.
Deposits +3.0% year over year ($3.0B on the books).
Delinquency rate 0.37%.
Return on assets 0.91%.
Efficiency ratio 65.33% vs a 59.73% peer average.
Loan-to-deposit ratio 87.38% 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 49 in IL

View $1B-$10B leaderboard (IL) →

Banterra Bank has 1 strength but faces 4 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 0.50% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.6% in tier
- ROA 0.48% below tier average
- Net Interest Margin 0.52% below tier average
- Efficiency Ratio 5.60% above tier average

Get updates when Banterra Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.4B +4.6% YoY +3.0% QoQ	+$565.5M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$2.6B +6.4% YoY +4.3% QoQ	+$670.2M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$3.0B +3.0% YoY +0.3% QoQ	+$694.9M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	0.91% +4.9% YoY +8.7% QoQ	-0.48%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.35% +9.0% YoY +0.6% QoQ	-0.52%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	65.33% +3.3% YoY -2.9% QoQ	+5.60%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	0.37% -0.9% YoY +4.7% QoQ	-0.50%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	87.38% +3.3% YoY +4.0% QoQ	+2.35%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	16.65% +1.7% YoY -1.6% QoQ	-4.62%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.29% +0.7% YoY +6.1% QoQ	-0.38%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	9.85% -0.9% YoY -1.7% QoQ	-4.99%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 4.6% in tier
Non-Interest Income / Assets ?	0.18% -12.7% YoY +99.4% QoQ	-0.34%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	28%

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	16.7% +0.3pp YoY -0.3pp QoQ	-4.7pp	21.4%	20.1%	22.2%	33%
Brokered Deposits	14.0% -1.4pp YoY +0.5pp QoQ	+4.5pp	9.5%	8.0%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	20.4% -3.9pp YoY -1.2pp QoQ	+6.4pp	14.0%	14.7%	12.5%	81%
CRE	35.8% +3.9pp YoY +1.6pp QoQ	-14.2pp	50.0%	37.9%	41.4%	17%
1-4 Family	8.1% +0.8pp YoY -0.4pp QoQ	-18.4pp	26.4%	28.3%	31.3%	11%
Consumer	31.6% -0.7pp YoY +0.2pp QoQ	+26.9pp	4.7%	5.4%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	9.8% -0.1pp YoY -0.2pp QoQ	-5.7pp	15.6%	19.9%	19.7%	0%
Leverage Ratio	9.4% +0.1pp YoY +0.2pp QoQ	-1.9pp	11.3%	12.2%	12.6%	21%
Total Capital Ratio	10.7% -0.4pp YoY -0.5pp QoQ	-6.0pp	16.7%	20.9%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	425 -2 (-0.5%) YoY +2 (+0.5%) QoQ	+111	313	228	482	80%
Assets per Employee ($)	$7.9M +5.1% YoY +2.5% QoQ	-$2.6M	$10.5M	$8.3M	$8.8M	38%
Branch Count	43 0 YoY 0 QoQ	+23	20	10	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.2pp	0.2%	0.4%	0.4%	19%
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	37%
Allowance Coverage	2.59x +2.1% YoY -6.6% QoQ	-16.12x	18.71x	5.62x	20.23x	59%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.8% -0.7pp YoY +1.0pp QoQ	+1.2pp	12.6%	10.5%	11.6%	64%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.6%	1.7%	74%
Net Income ($, YTD)	$15.1M +9.4% YoY — QoQ	-$4.1M	$19.2M	$11.7M	$40.4M	60%

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 (1)

Capital Thin

risk

#40 of 222 • Bottom 17.6% 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: 9.85%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

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 (3 metrics)

196

Total Loans

size

Value: $2.63B

Peer Median: $1.96B

#196 of 885 Top 22.0% in $1B-$10B

201

Total Deposits

size

Value: $3.01B

Peer Median: $2.32B

#201 of 885 Top 22.6% in $1B-$10B

220

Total Assets

size

Value: $3.36B

Peer Median: $2.79B

#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (2 metrics)

845

Tier 1 Capital Ratio

capital

Value: 9.85%

Peer Median: 14.84%

#845 of 885 Bottom 4.6% in $1B-$10B

672

Return on Assets

profitability

Value: 0.91%

Peer Median: 1.39%

#672 of 885 Bottom 24.2% in $1B-$10B