# BTG PACTUAL BANK NA
NEW YORK, NY · FDIC certificate 35154 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $978.3M | |
| Deposits | $460.4M | |
| Loans and leases | $446.9M | |
| Total equity | $458.3M | |
| Loans / deposits | 96.11% (p84 of band) | 82.04% |
| Liquid assets / assets | 52.16% (p93 of band) | |
| Uninsured deposits / deposits | 52.86% (p96 of band) | 25.97% |
| Brokered deposits | 4.49% | |
| Wholesale funding | 9.63% (p76 of band) | |
| FHLB advances / assets | 5.15% | |
| Tier 1 leverage | 48.10% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -0.03% (p96 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | -0.13% (p3 of band) | 1.28% |
| Net interest margin | 3.18% (p15 of band) | 3.91% |
| Efficiency ratio | 83.50% (p91 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.14% (p88 of band) | |
| Reserve coverage of noncurrent | 570.24% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 1.26% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 57.1% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | uninsured deposits leaving |  |
| 2013-06 | 6 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-09 | 7 | uninsured deposits leaving |  |
| 2013-12 | 5 |  | brokered >10%, uninsured deposits leaving |
| 2014-03 | 4 |  | assets shrinking |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | deposits shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | capital falling | losing money |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 4 | brokered >10%, losing money |  |
| 2015-12 | 6 | wholesale funding >15%, capital falling |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 | uninsured deposits leaving | capital falling |
| 2016-12 | 5 |  | uninsured deposits leaving |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 | capital falling | wholesale funding >15% |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 | wholesale funding >15% | capital falling |
| 2018-03 | 3 |  | losing money, wholesale funding >15% |
| 2018-06 | 3 | capital falling | brokered >10% |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | charge-offs p90 | expense ratio p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | capital falling, expense ratio p90 |  |
| 2019-12 | 4 | brokered >10%, losing money | charge-offs p90, capital falling |
| 2020-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10% |
| 2020-06 | 8 | brokered >10% |  |
| 2020-09 | 7 |  | charge-offs p90 |
| 2020-12 | 7 |  |  |
| 2021-03 | 8 | charge-offs p90 |  |
| 2021-06 | 7 |  | uninsured deposits leaving |
| 2021-09 | 6 | capital falling | deposits shrinking, assets shrinking |
| 2021-12 | 5 |  | capital falling |
| 2022-03 | 4 |  | brokered >10% |
| 2022-06 | 3 | brokered >10% | losing money, charge-offs p90 |
| 2022-09 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking | NIM <2.5% |
| 2022-12 | 6 | uninsured deposits leaving |  |
| 2023-03 | 5 | charge-offs p90 | expense ratio p90, assets shrinking |
| 2023-06 | 4 | capital falling | brokered >10%, uninsured deposits leaving |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 4 | brokered >10% |  |
| 2024-06 | 2 |  | capital falling, brokered >10% |
| 2024-09 | 3 | brokered >10% |  |
| 2024-12 | 3 | capital falling | brokered >10% |
| 2025-03 | 1 |  | charge-offs p90, capital falling |
| 2025-06 | 2 | expense ratio p90 |  |
| 2025-09 | 3 | brokered >10% |  |
| 2025-12 | 1 | NIM <2.5% | wholesale funding >15%, expense ratio p90, brokered >10% |
| 2026-03 | 1 | losing money | NIM <2.5% |
| 2026-06 | 4 | uninsured deposits >50%, capital falling, expense ratio p90 |  |

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

- 2026-01-05 [BTG Pactual Completes Acquisition of M.Y. Safra Bank and Will Now Operate with a Banking License in the United States - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZUhBd0RaSlIydHoyZzQtWm90S0dhelNyWWtxUU9EWTdlX01PZVg4ODVsVHFKTGlBQXNsMzlCRXhnVW5lWkVzSFRuNkJ2QlZKX2FEOF9XNHJMX2w5OWp2V0VWNGVEb1lORjNLOWtjM1ZMSTBIY1Z3VzFDTGhRVGcwbU9jTUFkZTlR?oc=5) · Yahoo Finance
- 2026-01-05 [BTG Pactual completes acquisition of M.Y. Safra Bank in US expansion - Investing.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNYlRrY0I1UW9VZm5qU3pRUHNXdnROTXF0Q0FmdURtZTYtd0V0akUzNG82RFp2eGtGZjUtWUFueVhWQVVpQWx5YWFjN2ZkajIybUVjaHVrdDdpYVoxVF9kM2VLbXBVbTFqODFwNFFaa3BPNXB1T2xQdnNtcGVsYUdtWDhEaFNtcVpaNHdLVXdqRWNMbmtta2NHZjkwOW1RRWFuNVQ4NU9KcTJOYl9zb01tVzZSRmtYQ3dQQmcyeElSQUY?oc=5) · Investing.com
- 2026-01-05 [BTG Pactual Completes M.Y. Safra Bank Acquisition - Pulse 2.0](https://news.google.com/rss/articles/CBMid0FVX3lxTE5SUmtuRW1oMDN5WFdndFV1U0ZlR1NubTJtYmx6WTE1eG9HVDZNOExBUlVOR2wwNjVsclFNOXVrWlhNcm9pSGN6NVVlTHBfQkI2WDVqRVJyYXZUR29lS0JpcHFUbWVseHd0SGgxdlBxVHdJZUVBcUhz0gF8QVVfeXFMTnVKeWp3M0s2SERLV0toVzdrempoOExQRE1EdExNRF92Nkk2eFhPNnhvVnFUQUZiVDJHbUc3RDV5dWxSQzlKNk5JV0dzcy1wbHBjR0VsdFdnUG5sMkFxYWNXRFkyMnNfb25Za29IOTdnUWp6RUtwTmNSNjdmaw?oc=5) · Pulse 2.0
- 2026-01-06 [CIBC appoints former Canadian-US ambassador as strategic adviser; JPMorgan launches specialist advisory unit - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1rYmJvOUhTU0ZaUXhJMDMzRkdOdVBubjdxU2pnOWlLa2x5cmVENkdRRUdJQk9tLUc5VGF4QXVjM1dkbW5FYUNqN1Z0NzdvYVU5bkExdmpCWVF2WHNBT2lfVUozRFAtUVAtR0pRdG5IY1Z0azZxemxWQ293?oc=5) · TheBanker.com
- 2026-04-13 [BTG Pactual hires former Inter US executive to lead US marketing and communications - Citywire](https://news.google.com/rss/articles/CBMixgFBVV95cUxNZEkxeUEwM3FCS1pkRjBDaFR1MzhZWEpwS2x6b1F4cF9uRFZROUFJX1BSWXdQeXhLUGRsTWVQSGtfVUFDS29WWU5yZ2YyQ1R6MGl0blF2ZldCMWxKUFNpVEprZU9henF2R2ZFMFNxWmhrQTF1UGVLRnRwWXR5eU9YMThCTWtWaGR2MUNiQ2NxOVJ0NjhSNTNFSW9rLUNucHZZa2RXT0Z6MVlWSWdYVkxNRmNTRF96REJfNGtOM0M4VVJ1SWh3NWc?oc=5) · Citywire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35154 (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/18.json (key "35154", 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