BlastPoint's Banking Scorecard
Bankers Trust Company
Mid-Market
Specialty: Commercial
IA
FDIC cert 953
Des Moines, IA
201
banks in Mid-Market tier nationally
2 in IA
View Mid-Market leaderboard (IA) →
Bankers Trust Company has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.46% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+4.4% YoY
-0.1% QoQ
|
-$3.0B |
$10.5B
+2.9% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$5.8B
+3.6% YoY
+0.7% QoQ
|
-$1.3B |
$7.1B
+4.5% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$6.1B
+4.3% YoY
+5.8% QoQ
|
-$2.5B |
$8.5B
+3.0% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.10%
+24.9% YoY
+3.7% QoQ
|
-0.07% |
1.16%
+9.4% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.00%
+10.6% YoY
+1.2% QoQ
|
-0.40% |
3.40%
+7.9% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
57.36%
-7.4% YoY
-1.3% QoQ
|
+0.76% |
56.60%
-3.2% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.05%
-15.0% YoY
+13.6% QoQ
|
-0.63% |
0.68%
+12.0% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
95.93%
-0.7% YoY
-4.8% QoQ
|
+10.46% |
85.47%
+1.1% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
16.38%
-7.4% YoY
-13.0% QoQ
|
-4.26% |
20.64%
-0.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.04%
-15.6% YoY
+14.5% QoQ
|
-0.46% |
0.50%
+7.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
10.82%
+7.2% YoY
+1.5% QoQ
|
-2.73% |
13.55%
+1.8% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 13% in tier |
| Non-Interest Income / Assets ? |
0.68%
-3.0% YoY
+36.4% QoQ
|
-0.28% |
0.96%
+7.1% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 7%
in Mid-Market
Why this stands out
Current:
0.05%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
0.04%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Liquidity Strain
risk
#25 of 80 · Bottom 30% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.93%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
53
53th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.96%
47
47th pctile
Total Loans
Current: $5.8B · Tier avg: $7.1B
46
46th pctile
Efficiency Ratio
Current: 57.36% · Tier avg: 56.60%
45
45th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
39
39th pctile
Total Deposits
Current: $6.1B · Tier avg: $8.5B
38
38th pctile
Total Assets
Current: $7.5B · Tier avg: $10.5B
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.38% · Tier avg: 20.64%
29
29th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
21
21th pctile
Loan-to-Deposit Ratio
Current: 95.93% · Tier avg: 85.47%
13
13th pctile
Tier 1 Capital Ratio
Current: 10.82% · Tier avg: 13.55%
Top Weaknesses
13
13th pctile
Tier 1 Capital Ratio
Current: 10.82% · Tier avg: 13.55%
21
21th pctile
Loan-to-Deposit Ratio
Current: 95.93% · Tier avg: 85.47%
29
29th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.38% · Tier avg: 20.64%
38
38th pctile
Total Assets
Current: $7.5B · Tier avg: $10.5B
39
39th pctile
Total Deposits
Current: $6.1B · Tier avg: $8.5B
45
45th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
46
46th pctile
Efficiency Ratio
Current: 57.36% · Tier avg: 56.60%
47
47th pctile
Total Loans
Current: $5.8B · Tier avg: $7.1B
53
53th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.96%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%