TellerScore

BTG Pactual Bank, National Association is a national bank headquartered in New York, New York, in business for about 26 years. At the end of Q2 2026 it reported $978.3M in total assets and $460.4M in deposits, with 1 office.

Based on its Q2 2026 filing, BTG Pactual Bank, National Association scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 41st. Its strongest component is capital cushion (100/100; 48.10%), and its lowest is earnings (15/100; -0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 48.10%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings15/100
Return on assets (annualized): -0.13%
Funding & liquidity22/100
Loans ÷ deposits and uninsured-deposit share: 96.1% · 52.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.17%

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 rose 4 points (66 → 70), mostly because the capital cushion component improved by 36 points.

TellerScore
657278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202474
Q4 202470
Q1 202565
Q2 202566
Q3 202566
Q4 202578
Q1 202672
Q2 202670
Tier 1 leverage ratio
5.00%55.79%106.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.33%
Q3 202411.25%
Q4 202411.18%
Q1 202511.22%
Q2 202511.40%
Q3 202511.64%
Q4 2025106.59%
Q1 202651.20%
Q2 202648.10%
Noncurrent loans
0.00%0.14%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.27%
Q1 20250.28%
Q2 20250.25%
Q3 20250.23%
Q4 20250.23%
Q1 20260.19%
Q2 20260.18%
Return on assets
-0.13%0.65%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20240.99%
Q4 20240.80%
Q1 20250.19%
Q2 20250.22%
Q3 20250.29%
Q4 20250.29%
Q1 2026-0.06%
Q2 2026-0.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$978.3M48.10%0.18%-0.13%96.1%
Q1 202672$892.5M51.20%0.19%-0.06%90.9%
Q4 202578$887.8M106.59%0.23%0.29%76.3%
Q3 202566$395.9M11.64%0.23%0.29%98.9%
Q2 202566$399.5M11.40%0.25%0.22%90.4%
Q1 202565$402.2M11.22%0.28%0.19%87.8%
Q4 202470$405.8M11.18%0.27%0.80%87.8%
Q3 202474$404.8M11.25%0.00%0.99%88.7%
Q2 202477$394.7M11.33%0.00%1.44%90.7%

2,650 peers · $100 million – $1 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).

Capital ratio48.10%
100th
Total risk-based capital112.79%
100th
Problem loans0.18%
67th
Net charge-offs0.35%
7th
Return on assets-0.13%
3rd
Net interest margin3.18%
16th
Efficiency ratio83.5%
10th
Loans to deposits96.1%
15th
Uninsured deposits52.9%
3rd
Loan-loss reserves1.00%
26th
Texas ratio0.2%
84th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Community Federal Savings BankBank Woodhaven, NY53 out of 100, Below average$827.0M9.9%0.43%vs
Quontic BankBank Astoria, NY37 out of 100, Low$787.0M9.7%3.53%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
First National Bank of ScotiaBank Scotia, NY55 out of 100, Moderate$719.0M9.2%1.50%vs
Jeff Bank, National AssociationBank Jeffersonville, NY95 out of 100, Very strong$686.2M14.9%0.37%vs

Deposit insurance

Is my money safe at BTG Pactual Bank, National Association?

Yes. BTG Pactual Bank, National Association is an FDIC-insured institution (FDIC certificate #35154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.9% of deposits ($243.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 48.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 112.79% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

BTG Pactual Bank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
BTG Pactual Bank, National Association
Former names
M.Y. Safra Bank, FSB; T. Rowe Price Savings Bank
Type
National bank
FDIC certificate #
35154
RSSD ID
2916534
Primary regulator
OCC
Holding company
Btg Pactual G7 Holding Sa
Established
June 5, 2000
Headquarters
499 Park Ave, New York, NY 10022
Employees
60

Quick answers

BTG Pactual Bank, National Association: common questions

Is BTG Pactual Bank, National Association FDIC insured?

Yes. BTG Pactual Bank, National Association is an FDIC-insured institution (FDIC certificate #35154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BTG Pactual Bank, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BTG Pactual Bank, National Association ever failed?

There is no failure record for FDIC certificate #35154 in the FDIC failed bank list.

How many branches does BTG Pactual Bank, National Association have?

1 office as of the latest FDIC data.

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