Banterra Bank: how it compares with its peers
Against 30 IL banks with half to twice its assets, Banterra Bank's strongest measure in Q2 2026 is net interest margin (3.35% vs. a 3.39% peer median). Its weakest relative measure is return on assets (0.91% vs. 1.39%).
| Measure | Banterra Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.39% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.39% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.33% | 50.91% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $12.6M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.38% | 85.39% | Context |
What it means for lending operations
Its efficiency ratio of 65.33% is above the 50.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Libertyville Bank & Trust Company, National Association Libertyville, IL · $3.34B
- Old Plank Trail Community Bank, National Association New Lenox, IL · $3.53B
- Village Bank and Trust, National Association Arlington Heights, IL · $3.63B
- Parkway Bank and Trust Company Harwood Heights, IL · $3.66B
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
- Lakeside Bank Chicago, IL · $2.85B
Questions about Banterra Bank
How big is Banterra Bank?
Banterra Bank, established in 1955, is headquartered in Marion, IL. It reported $3.36B in total assets in its Q2 2026 FDIC call report and operates 43 offices.
What is Banterra Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.39% median for 30 IL banks with half to twice its assets, ahead of 13% of them.
What is Banterra Bank's efficiency ratio?
65.33% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 50.91%, and lower is better.
Is Banterra Bank growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.