BlastPoint's Banking Scorecard
Banterra Bank
Community
Specialty: Commercial
IL
FDIC cert 17514
Marion, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Banterra Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21% in Community
- - Credit Risk Growth: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+5.5% YoY
+1.2% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.5B
+6.2% YoY
+1.8% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$3.0B
+5.0% YoY
+0.8% QoQ
|
+$1.8B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
0.81%
+185.3% YoY
-1.5% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.16%
+26.2% YoY
+1.8% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
66.98%
-17.5% YoY
+1.6% QoQ
|
+4.35% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.35%
+13.9% YoY
-2.9% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
85.39%
+1.1% YoY
+1.0% QoQ
|
+2.33% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
16.30%
-0.7% YoY
-1.1% QoQ
|
-4.75% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.27%
+14.6% YoY
-2.4% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
9.82%
-1.2% YoY
-0.4% QoQ
|
-0.42% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.39%
+2.2% YoY
+30.7% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#170 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.35%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#144 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
Total Deposits
Current: $3.0B · Tier avg: $1.2B
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.39% · Tier avg: 83.06%
35
35th pctile
Efficiency Ratio
Current: 66.98% · Tier avg: 62.63%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.30% · Tier avg: 21.05%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.82% · Tier avg: 10.24%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
Top Weaknesses
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.82% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.30% · Tier avg: 21.05%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
35
35th pctile
Efficiency Ratio
Current: 66.98% · Tier avg: 62.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.39% · Tier avg: 83.06%
56
56th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Total Deposits
Current: $3.0B · Tier avg: $1.2B