BlastPoint's Banking Scorecard

Bankers Trust Company

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

Des Moines, IA

22 branches across IA · AZ · NE

884 banks in the $1B-$10B peer group nationally 27 in IA

Bankers Trust Company has 2 strengths but faces 7 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

+ Credit Quality Leader: Top 8.6% in tier
+ Efficiency Ratio 3.04% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.6% in tier
- Credit Quality Pressure: Bottom 17.2% in tier
- Capital Thin: Bottom 20.8% in tier
- Liquidity Strain: Bottom 27.8% in tier
- NIB Deposit Bleed: Bottom 80.6% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.76% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$7.5B +1.6% YoY -0.2% QoQ	+$4.7B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 6.2% in tier
Total Loans ?	$5.8B +1.4% YoY -0.1% QoQ	+$3.8B	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 4.0% in tier
Total Deposits ?	$5.8B +2.3% YoY -3.5% QoQ	+$3.5B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 6.8% in tier
Return on Assets ?	1.07% +14.1% YoY -2.3% QoQ	-0.29%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.06% +6.8% YoY +1.9% QoQ	-0.76%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	58.03% -5.7% YoY +1.2% QoQ	-3.04%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.17% +169.6% YoY +212.5% QoQ	-0.72%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	99.34% -0.8% YoY +3.6% QoQ	+15.14%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	15.94% -12.9% YoY -2.7% QoQ	-5.35%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.13% +169.2% YoY +213.1% QoQ	-0.54%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	10.98% +5.7% YoY +1.5% QoQ	-4.18%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.16% -3.7% YoY -77.0% QoQ	-0.10%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	56%

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$250B+

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 (1)

Credit Quality Leader

growth

#20 of 220 • Top 8.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (5)

Credit Risk Growth

risk

#16 of 420 • Bottom 3.6% 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

Credit Quality Pressure

risk

#89 of 513 • Bottom 17.2% in tier

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

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#47 of 221 • Bottom 20.8% 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: 10.98%

(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

Liquidity Strain

risk

#94 of 334 • Bottom 27.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.34%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

NIB Deposit Bleed

decline

#30 of 36 • Bottom 80.6% 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: 15.94%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Loans

size

Value: $5.81B

Peer Median: $1.96B

#36 of 884 Top 4.0% in $1B-$10B

Total Assets

size

Value: $7.47B

Peer Median: $2.82B

#56 of 884 Top 6.2% in $1B-$10B

Total Deposits

size

Value: $5.85B

Peer Median: $2.34B

#61 of 884 Top 6.8% in $1B-$10B

160

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.89%

#160 of 880 Top 18.1% in $1B-$10B

169

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#169 of 884 Top 19.0% in $1B-$10B

Top Weaknesses (3 metrics)

751

Loan-to-Deposit Ratio

liquidity

Value: 99.34%

Peer Median: 84.20%

#751 of 884 Bottom 15.2% in $1B-$10B

736

Tier 1 Capital Ratio

capital

Value: 10.98%

Peer Median: 15.16%

#736 of 884 Bottom 16.9% in $1B-$10B

713

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.82%

#713 of 884 Bottom 19.5% in $1B-$10B