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Bankers Trust Company

$1B-$10B Specialty: Commercial IA FDIC cert 953

Des Moines, IA

22 branches across IA · AZ · NE

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 27 in IA.
  • Deposits +19.3% year over year ($6.7B on the books).
  • Delinquency rate 0.31%.
  • Return on assets 1.08%.
  • Efficiency ratio 58.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.47% 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 27 in IA
View $1B-$10B leaderboard (IA) →

Bankers Trust Company has 2 strengths but faces 5 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

  • + Efficiency Ratio 1.22% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 12.2% in tier
  • - NIB Deposit Bleed: Bottom 13.0% in tier
  • - Capital Thin: Bottom 32.9% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.85% below tier average
Get updates when Bankers Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $7.8B
+3.8% YoY +4.9% QoQ
+$5.0B $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 4.4% in tier
Total Loans ? $5.9B
+1.4% YoY +2.3% QoQ
+$4.0B $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 3.5% in tier
Total Deposits ? $6.7B
+19.3% YoY +14.8% QoQ
+$4.4B $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 3.8% in tier
Return on Assets ? 1.08%
+8.8% YoY +0.5% QoQ
-0.31% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.02%
+3.4% YoY -1.1% QoQ
-0.85% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 58.51%
-2.2% YoY +0.8% QoQ
-1.22% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.31%
+983.4% YoY +83.6% QoQ
-0.55% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 88.47%
-15.0% YoY -11.0% QoQ
+3.43% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 14.16%
-25.9% YoY -11.1% QoQ
-7.11% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.24%
+957.7% YoY +79.1% QoQ
-0.44% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 11.03%
+6.4% YoY +0.5% QoQ
-3.81% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.29%
-7.4% YoY +87.0% QoQ
-0.24% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
50%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 14.2%
-5.0pp YoY
-1.8pp QoQ
 -7.2pp 21.4% 17.8% 22.2% 24%
Brokered Deposits 3.0%
-0.8pp YoY
-0.5pp QoQ
 -6.5pp 9.5% 6.0% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 24.4%
+0.3pp YoY
+1.6pp QoQ
 +10.4pp 14.0% 12.8% 12.5% 87%
CRE 59.1%
-0.8pp YoY
-1.8pp QoQ
 +9.1pp 50.0% 28.3% 41.4% 74%
1-4 Family 11.0%
+0.5pp YoY
+0.2pp QoQ
 -15.5pp 26.4% 23.0% 31.3% 19%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 2.9% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 10.9%
+0.7pp YoY
0.0pp QoQ
 -4.6pp 15.6% 15.4% 19.7% 9%
Leverage Ratio 10.1%
+0.2pp YoY
-0.2pp QoQ
 -1.2pp 11.3% 12.4% 12.6% 39%
Total Capital Ratio 12.3%
+0.8pp YoY
0.0pp QoQ
 -4.4pp 16.7% 16.5% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 592
-18 (-3.0%) YoY
-2 (-0.3%) QoQ
 +278 313 64 482 88%
Assets per Employee ($) $13.2M
+7.0% YoY
+5.2% QoQ
 +$2.7M $10.5M $8.9M $8.8M 84%
Branch Count 22
0 YoY
0 QoQ
 +2 20 5 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.1pp QoQ
 0.0pp 0.2% 0.4% 0.4% 87%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.0% 1.0% 13%
Allowance Coverage 4.41x
-90.2% YoY
-46.4% QoQ
 -14.30x 18.71x 18.97x 20.23x 75%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.3%
-0.2pp YoY
+0.1pp QoQ
 -1.3pp 12.6% 12.8% 11.6% 43%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
+0.1pp QoQ
 +0.6pp 1.9% 1.8% 1.7% 84%
Net Income ($, YTD) $40.9M
+12.4% YoY
— QoQ
 +$21.7M $19.2M $4.0M $40.4M 89%

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
#50 of 402 • Bottom 12.2% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline
#7 of 46 • Bottom 13.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.16%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Capital Thin

risk
#74 of 222 • Bottom 32.9% 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: 11.03%
(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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

32
Total Loans
size
Value: $5.94B
Peer Median: $1.96B
#32 of 885 Top 3.5% in $1B-$10B
35
Total Deposits
size
Value: $6.72B
Peer Median: $2.32B
#35 of 885 Top 3.8% in $1B-$10B
40
Total Assets
size
Value: $7.83B
Peer Median: $2.79B
#40 of 885 Top 4.4% in $1B-$10B

Top Weaknesses (3 metrics)

750
Net Interest Margin
profitability
Value: 3.02%
Peer Median: 3.87%
#750 of 885 Bottom 15.4% in $1B-$10B
720
Tier 1 Capital Ratio
capital
Value: 11.03%
Peer Median: 14.84%
#720 of 885 Bottom 18.8% in $1B-$10B
673
Non-Interest-Bearing Deposit Share
funding
Value: 14.16%
Peer Median: 21.27%
#673 of 885 Bottom 24.1% in $1B-$10B
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