BTC Bank (FDIC certificate #10618) is based in Bethany, Missouri. Its Q2 2026 call report shows $1.9B in total assets and $1.4B in deposits and 32 offices across 3 states.
Based on its Q2 2026 filing, BTC Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 160th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is capital cushion (44/100; 9.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (66 → 60), mostly because the capital cushion component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 60 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 64 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.83% |
| Q3 2024 | 9.01% |
| Q4 2024 | 8.94% |
| Q1 2025 | 8.97% |
| Q2 2025 | 11.32% |
| Q3 2025 | 11.39% |
| Q4 2025 | 11.06% |
| Q1 2026 | 10.99% |
| Q2 2026 | 9.35% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.07% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.10% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.23% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.9B | 9.35% | 0.72% | 0.90% | 105.8% |
| Q1 2026 | 64 | $1.6B | 10.99% | 1.10% | 1.23% | 106.6% |
| Q4 2025 | 68 | $1.6B | 11.06% | 0.80% | 1.33% | 107.1% |
| Q3 2025 | 67 | $1.5B | 11.39% | 0.99% | 1.33% | 109.0% |
| Q2 2025 | 66 | $1.4B | 11.32% | 1.07% | 1.32% | 105.6% |
| Q1 2025 | 60 | $1.4B | 8.97% | 0.92% | 1.24% | 107.5% |
| Q4 2024 | 63 | $1.4B | 8.94% | 0.35% | 1.03% | 107.9% |
| Q3 2024 | 62 | $1.3B | 9.01% | 0.45% | 0.96% | 108.6% |
| Q2 2024 | 61 | $1.2B | 8.83% | 0.51% | 0.91% | 105.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legacy Bank & Trust CompanyBank Mountain Grove, MO | 64 out of 100, Moderate | $1.8B | 11.9% | 1.47% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Sterling BankBank Poplar Bluff, MO | 78 out of 100, Strong | $1.6B | 11.1% | 0.35% | vs |
| First Bank of the LakeBank Osage Beach, MO | 26 out of 100, Low | $2.3B | 7.1% | 3.70% | vs |
| Omb BankBank Springfield, MO | 62 out of 100, Moderate | $2.4B | 9.2% | 0.83% | vs |
Deposit insurance
Is my money safe at BTC Bank?
Yes. BTC Bank is an FDIC-insured institution (FDIC certificate #10618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.8% of deposits ($141.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
32 locations
Branches
BTC Bank lists 30 offices in 27 cities across 3 states. Most locations:
- Cameron, MO (2)
- Chillicothe, MO (2)
- Sedalia, MO (2)
- Albany, MO (1)
- Bethany, MO (1)
- Boonville, MO (1)
- Buffalo, MO (1)
- Bunceton, MO (1)
- Carrollton, MO (1)
- Fayette, MO (1)
- Gallatin, MO (1)
- Gilman City, MO (1)
HMDA 2025
Mortgage lending
In 2025, BTC Bank reported 607 home-loan applications under HMDA (LEI 549300YXOCZOXWKDIT11): 524 originated ($79,440,000 total), 42 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- BTC Bank
- Former names
- The Bethany Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 10618
- RSSD ID
- 1009242
- Primary regulator
- FDIC
- Holding company
- Bethany Bankshares Inc
- Established
- September 19, 1919
- Headquarters
- 3606 Miller St, Bethany, MO 64424
- Website
- btcbank.bank
- Employees
- 277
Quick answers
BTC Bank: common questions
Is BTC Bank FDIC insured?
Yes. BTC Bank is an FDIC-insured institution (FDIC certificate #10618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BTC Bank's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BTC Bank ever failed?
There is no failure record for FDIC certificate #10618 in the FDIC failed bank list.
How many branches does BTC Bank have?
32 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Bethany
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank of Northern MissouriBank Unionville, MO | 83 out of 100, Strong | $566.5M | 12.7% | 0.26% | vs |
| Bank NorthwestBank Hamilton, MO | 77 out of 100, Strong | $210.3M | 9.7% | 0.16% | vs |
| Verimore BankBank Brookfield, MO | 76 out of 100, Strong | $639.1M | 10.6% | 0.26% | vs |
| Southern BankBank Poplar Bluff, MO | 70 out of 100, Strong | $5.2B | 10.4% | 0.63% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |