# BANTERRA BANK
MARION, IL · FDIC certificate 17514 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.36B | |
| Deposits | $3.01B | |
| Loans and leases | $2.66B | |
| Total equity | $226.0M | |
| Loans / deposits | 87.38% (p51 of band) | 87.10% |
| Liquid assets / assets | 17.65% (p36 of band) | |
| Uninsured deposits / deposits | 19.06% (p16 of band) | 30.76% |
| Brokered deposits | 12.57% | |
| Wholesale funding | 15.36% (p80 of band) | |
| FHLB advances / assets | 2.80% | |
| Tier 1 leverage | 9.41% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -14.36% (p31 of band) | -7.75% |
| AOCI / equity | 0.54% (p93 of band) | |
| ROA (annualized) | 0.91% (p25 of band) | 1.26% |
| Net interest margin | 3.35% (p28 of band) | 3.70% |
| Efficiency ratio | 65.33% (p69 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 258.72% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 117.46% (p93 of band) | |
| Auto loans | $1.6M (0.06% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 425 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-06 | 3 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 1 |  | charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | reserve under noncurrent, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | wholesale funding >15% |  |
| 2018-03 | 0 |  | wholesale funding >15% |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 1 |  | capital falling, securities losses >30% of equity, construction >100% equity |
| 2023-03 | 1 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 1 | capital falling | expense ratio p90 |
| 2023-09 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2023-12 | 3 | brokered >10% | securities losses >30% of equity |
| 2024-03 | 6 | losing money, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 3 |  | capital falling, construction >100% equity, losing money |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 | wholesale funding >15% | expense ratio p90, NIM <2.5% |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | securities losses >30% of equity |  |
| 2025-09 | 1 |  | wholesale funding >15%, securities losses >30% of equity |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 3 | wholesale funding >15%, construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-13 [Rend Lake College unveils renovated Banterra Bank Sports Complex - kbsi23.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdTVxUWJaams1LWVlX3pWV1B6WDVwWU10emlmeWhUeEtpa2lWcTFDdC0xSGJ4ZzFDLTNBTnpHZEVWeHVSSTdJSE5UYmsyN0s4VjFEUnVsUjJTZjYxbFlad3VQMVp2b1BWSFFKaFoyc2IyYlp5c2tTMk5FS0Z6cGxzTW80a0VvTnljREUyNGFBcmtTZkVZR3JkRA?oc=5) · kbsi23.com
- 2024-11-14 [Saluki Sports Properties and Banterra Bank Announce NIL-Focused Partnership Expansion - Learfield](https://news.google.com/rss/articles/CBMivAFBVV95cUxPa18xcjd3VXVuYW5lQ1hNaGM3d2VQMmlnQzJvbjVXaWRGSGgxbV9EQ3pMR2xYUXdqOE5xX09iN2lKa1FDWWwzaDB4QTZCelBWNmJKRmNOdG5rU1VYYVF6X0tyYWZuX0hsTHFHT2xMNHZtUktveF92dnp2RGRLMU56MW5hbkVJZGNKZWV3bGpEeVFFZjlwN2tIVWlRSUJXQ2tyVXI0N0JKZjRwZVdHTXJJdUpaNWhqUjhNRVQ0Qg?oc=5) · Learfield
- 2024-04-24 [Banterra continues naming-rights agreement with SIU for five years - Southern Illinois University Athletics](https://news.google.com/rss/articles/CBMisgFBVV95cUxQUndhODJHTmJVTnBCXzBLQmNnTHcwODJ4OHVvOXNGa0N2T0x6aDlIR0U0ZmhkSC1GdjVIOE9vRUttQUhXdEZJOEhNQ0ZOS3Ffemo5MmFzSjd4VzZZd1NUOHI1QVhjcW9aNkMyOEM2YU1RN3RodVVkTWxIUUk5UzRIZ2xiWmZvbVhYR1VQdThmSmV5ZVd2MEdmT1JZS015RlNSV3BBVnNxYTVtM1lnaDVlLWZR?oc=5) · Southern Illinois University Athletics
- 2025-07-18 [Banterra celebrates 50 years of banking - Southern Illinoisan](https://news.google.com/rss/articles/CBMiugFBVV95cUxPdVdsVjdEeURaUHlJc0ZDeUt1eXBKemZaaEo1S21VYXhKcGJ2MEJTSlRQa2JYdHBQQlZZMUtDRHNqRWozMVp6RUNWQ1hYU1BQM3VNM21uZUYzdHNxSkxwWWxaSjhqWUM4eThTVkFWMkFCS3JTYV9udU9adGVhRG9mdy00Wnh1dW1EVVFtOG1lR0hVVmxQRXpKbWR2UVZpYTRHNi1kal9oNkplUDJENlZVVmxpLUp2eWQ5dGc?oc=5) · Southern Illinoisan
- 2016-11-01 [Banterra Bank in Marion, IL launches holiday food drive - KFVS12](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUWVGZEdEc213UGxmLXpncGZUb0RYTzRwWHdwSXAybDJuU3FRRzdXOW9FbFFBMXdMQXZOUGR1LWNRV1l6S2pmX2dTak5kdGFZa19Hd2wtam9GbC1zZUdIUE80ZmhYSEpwRm1oNEU1b3BvRjdRNEc5eWRsV082MzYwM2NGTHVCbmwyaElXVzNyTVFYSmRhclJ4Y9IBqwFBVV95cUxPaVlHd2JhZHdKdFJ1bGxBNHFUOXNHUmJtemRqQU04REQtb3l2NUozOXFORnNWRV9WejNLQlpibmdIMkpTVVRVQlF0VE5VOFMxU2NkVHg4dzZGaDZ5MHJnQzEzOHN4SExaTjRINjlnWnZXNnAzZDNfTnpLRlJ6LXdjNzh4MUxBb2Q2TUlmQV9vVWZXV19ibHdnMUtyRWlxZndhanU4OUlKUGZZSVE?oc=5) · KFVS12
- 2024-05-20 [Denton Blakeslee Ferrell Obituary May 20, 2024 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE8weXZjX2oxZDVUT1YxQ1BnbEVyVVJTMlZkbGZtZjVVbG0zNWFjQ3VuSUlISWFyN2RyMDdBeHctV25YNUViZ3k2MUp0TWVOU1EzXzRHQUFUWUpiZXlVZG45RFIxOTR2TTNfSzM3UjNCaFVleGVR?oc=5) · Smith Funeral &amp; Cremation Service
- 2024-11-12 [News | Banterra Bank signs four Saluki athletes to NIL Partnerships - Southern Illinois University Athletics](https://news.google.com/rss/articles/CBMisgFBVV95cUxOckdnT29uTGZtUURwMFg2NHJRU05EbC1PYnczZkNaLUtzX0pCLUNmeVJqTld3akZFYWNNMnVLTXJVOEh3Zi1xcHhkdFI4U0laSjJLZkItYjNXVEd2VVBKYXd3VndtTENEYzRObkJiLXJoX2tvRWN3OFZNaWkwa2ZpamNSdGJQb0lLV2FNWjgzdVR3UjVjVnBWOEFHZGhGYzkza1Uwc0hSd0xYbklDekFTeGtn?oc=5) · Southern Illinois University Athletics
- 2019-05-16 [SOUTHERN ILLINOIS UNIVERSITY CARBONDALE AND BANTERRA BANK ANNOUNCE ARENA NAMING-RIGHTS AGREEMENT - Learfield](https://news.google.com/rss/articles/CBMiywFBVV95cUxONTBDUzFCaTF1UHdBWGw4cnBDQzh3bXFxQktLWW5EU21ZdHdVVDAzNVpMNmdlQ002YlkzQ1VFZFMydmdxampkeVNMTGJLb09FdDBuM2RhNmlwSEpobXNRbWhmWXVabGt2S05tNE0wX0dEYnlaZDVCRjJsVDhMTzVJV2FEUUdlcFZpQ0NUY0FuWHlkMmtXVXN3UzVEQWN4UUdrdEE2a3o0a1Zjc0lNSHdGWFp4NElrcE1RZGd3cHJWM1Q1QXBhMEpXVEYxaw?oc=5) · Learfield

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17514 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "17514", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide