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Banterra Bank
Marion, IL · FDIC Certificate #17514 · Chartered 11/2
Total assets
$3.36B
Total deposits
$3.01B
Total equity
$226.00M
Net loans
$2.63B
Branches (offices)
40
Net income (YTD)
$15.10M
Rank: #382 of 4,213 U.S. banks by assets · #25 of 322 in Illinois. Assets changed 4.6% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 13.79% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 6.73% |
| Tier 1 leverage ratio | 9.41% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 87.4% |
| Real estate loans (share of loans) | 45.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.20B | 45.5% | |
| Commercial & industrial | $536.01M | 20.4% | |
| Consumer / individual | $832.33M | 31.6% | |
| Construction & development | $265.47M | 10.1% | |
| Agricultural | $56.73M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.65B | $2.41B | $17.96M | $122.05M |
| Jun 2023 | $2.94B | $2.58B | $7.16M | $177.55M |
| Jun 2024 | $3.03B | $2.69B | $2.32M | $184.93M |
| Jun 2025 | $3.21B | $2.93B | $13.80M | $193.89M |
| Jun 2026 | $3.36B | $3.01B | $15.10M | $226.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $2.00B | 27 |
| Indiana | $283.03M | 4 |
| Kentucky | $263.42M | 2 |
| Missouri | $259.09M | 2 |
| Arizona | $156.10M | 4 |
| Utah | $47.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.01B.
Similar-sized banks
Northern Bank & Trust Company ($3.38B) · Lake Ridge Bank ($3.35B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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