BlastPoint's Banking Scorecard
BTC Bank
Community
Specialty: Agricultural
MO
FDIC cert 10618
Bethany, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
BTC Bank shows strong momentum with 1 strength and 14.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.00% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+14.1% YoY
+5.6% QoQ
|
+$167.9M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.2B
+17.1% YoY
+4.6% QoQ
|
+$264.2M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.2B
+18.0% YoY
+6.6% QoQ
|
-$6.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.33%
+29.1% YoY
+0.1% QoQ
|
+0.16% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.55%
+7.6% YoY
+0.8% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
58.23%
-11.4% YoY
+0.0% QoQ
|
-4.40% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.81%
+128.1% YoY
-18.5% QoQ
|
+0.18% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
107.06%
-0.7% YoY
-1.8% QoQ
|
+24.00% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.94%
-7.0% YoY
+0.5% QoQ
|
+2.90% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.65%
+134.5% YoY
-19.2% QoQ
|
+0.15% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
-6.2% YoY
+27.4% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
107.06%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.06% · Tier avg: 83.06%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.94% · Tier avg: 21.05%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 58.23% · Tier avg: 62.63%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
63
63th pctile
Efficiency Ratio
Current: 58.23% · Tier avg: 62.63%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.94% · Tier avg: 21.05%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.06% · Tier avg: 83.06%