# BANKERS TRUST CO
DES MOINES, IA · FDIC certificate 953 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $7.83B | |
| Deposits | $6.72B | |
| Loans and leases | $6.02B | |
| Total equity | $743.2M | |
| Loans / deposits | 88.47% (p53 of band) | 87.10% |
| Liquid assets / assets | 19.20% (p42 of band) | |
| Uninsured deposits / deposits | 57.36% (p95 of band) | 30.76% |
| Brokered deposits | 2.56% | |
| Wholesale funding | 5.16% (p47 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 10.10% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -9.78% (p41 of band) | -7.75% |
| AOCI / equity | -0.44% (p39 of band) | |
| ROA (annualized) | 1.08% (p35 of band) | 1.26% |
| Net interest margin | 3.02% (p16 of band) | 3.70% |
| Efficiency ratio | 58.51% (p48 of band) | |
| Noncurrent loans | 0.31% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 441.04% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 70.40% (p72 of band) | |
| Auto loans | $1.3M (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $131.9M (18% of equity) (p91 of band) | |
| Deposits YoY | 19.3% | |
| Employees | 592 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, uninsured deposits >50%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 3 | wholesale funding >15%, capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 1 |  | wholesale funding >15% |
| 2013-09 | 4 | wholesale funding >15%, deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | wholesale funding >15%, deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | capital falling | wholesale funding >15% |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 4 | loans exceed deposits, wholesale funding >15%, run vulnerability |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 | capital falling | run vulnerability |
| 2016-12 | 5 | run vulnerability |  |
| 2017-03 | 4 |  | capital falling |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | capital falling | wholesale funding >15% |
| 2018-03 | 1 |  | loans exceed deposits, run vulnerability, capital falling |
| 2018-06 | 3 | loans exceed deposits, run vulnerability |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | wholesale funding >15% |  |
| 2019-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2019-06 | 4 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  | loans exceed deposits, run vulnerability, charge-offs p90 |
| 2019-12 | 3 | capital falling, run vulnerability |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | capital falling | run vulnerability |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 1 |  | capital falling, charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | run vulnerability, deposits shrinking |  |
| 2022-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  | deposits shrinking, securities losses >30% of equity |
| 2023-03 | 4 | loans exceed deposits, wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 | securities losses >30% of equity, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-12 | 3 | uninsured deposits >50%, run vulnerability | loans exceed deposits, securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2024-06 | 5 | loans exceed deposits, uninsured deposits >50%, run vulnerability, charge-offs p90 |  |
| 2024-09 | 4 |  | charge-offs p90 |
| 2024-12 | 2 |  | wholesale funding >15%, loans exceed deposits |
| 2025-03 | 3 | loans exceed deposits |  |
| 2025-06 | 4 | wholesale funding >15% |  |
| 2025-09 | 3 |  | wholesale funding >15% |
| 2025-12 | 2 |  | loans exceed deposits |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-03-09 [Bankers Trust’s Coffin to retire this summer - Business Record](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbklQUTdmMjNpVzFNYmxYbEFYbmx2aE9odXdNanFpWHhZTE9nQ1JFT05kRXJYeVE3OEtpRGU5MWEyejVETGRxNlFDREJHdjctel9VSnlMOFF4c3BfLXlQdDU5YS1MOE5TOExEVnQyZl8tR21MMTlYLTItQUstRENwOQ?oc=5) · Business Record
- 2013-10-23 [Bankers Trust: Earnings rose 16% in third quarter - The Des Moines Register](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOR0w2TEpiQV8xa1d0b2dUMkJLTy1qM2VZdVNiTjBwVmpSQ1c2WDh3bnpyZDdNZ2JQYUVQUV8weUQ2TGhsZ0xkbVVCa1ZBZG52OWd4WV9MU2ZfLVhCYU5QZFVJd3NfWFR2TXoyUEpJeEV6dFdnMDVhTWlzT0N0YlhtMGdFd1Foc3JUZUlZZmlvUVJFTS1FSE5XQlhSOGhhMkJSSm5oZi1BT0NacFQ0d19kdlJiakpMVUgzdE9Z?oc=5) · The Des Moines Register
- 2019-01-18 [Bankers Trust names new Arizona leader - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQ09kYm11d0dkZUZXLXA5SE40S2k5b2tKRW5jODF0RmxKQjZQZS1DcFVPSmUwZWlGaXFNNGtGb3EzUl82WmdsS3lqOFg5M2x0UjJNU0N5YzlPenozcWZZRWFiejZveW41YkdQems3UFBKaGstWnV2TWdJODhBdFRxNk5yNkJkN0VhcjJVQ0hpY2ZrRnFrcDRpMnRCVQ?oc=5) · The Business Journals
- 2019-04-16 [Bank’s LinkedIn Project Builds Sales Leads and Influencer Status - The Financial Brand](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQWhtMEREcjU2ZGxiRF9QSzdZbE5XLWJOaVZpYzRucnkxckozZF9iMHBQXzRCbVBuVHI5WkVRUU5ubXJLMjdmQTdSQzNQTmxBRDdYVW1IVlRXaU1XR2h5N2pzTnVINnZzTUNNWDBlejZkMEQ1TGtkaWhLenFZWlZQRnBRa21CTTZRamcxXzJrQl9MZEs4NGZhbTZxazYxQWhLTHhrWXlCSlJhOW8xWDlGWnM0NFE4b3BRUzlzalJpZkFxUQ?oc=5) · The Financial Brand
- 2014-11-03 [Jennifer Welton - Corridor Business Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1CblJ0UVl4eHJYMlFXdUlucExIMEptWE5ybGhiR2JGVWhSdXZhY29sTkFjNjRtQ19ZbTlCRjVBWjZyTEYybUkxbjdrRU54Sm5zUXUtVm9peXA?oc=5) · Corridor Business Journal
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 1982-08-06 [Iowa bank closed, officials calm fears - upi.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZkFuMjNfaWtzWFRVZG1qOEhpc2N2b3U1a2V4ZjBLOVV5OFpxdVFqemVkNWFIVFYxRWM0V20zakM3NE00SzJicDZ6bFM0U0RoYTJKS2NMaFc1V1h2eTJoc1cwTUsxejFNQ0pmZ1JwdklzbHQzdUFELVJ0cmFCMHFvRGk0Ti1qVEhJWXZ6Y3JaMjRtbWFLYW1N0gGcAUFVX3lxTE85cF9Fbm1jYXdwVXgyV1lDQW5tZUpEQTk4ZWxTalk4eExqTUNjN2tMNlFoNUhKd01DMml4V0RWY1FwbGNlZzluLVdKUzJxVmtfZG04ZE8wOF9PcDFFcGJSXzd2bVVXcHVKUU54a004X3FjYUF3UmRueXJ0ODNNaVZ3cmVnX2tpRVFiUndnRHpGTEUyOGJoNmY5QzRQeg?oc=5) · upi.com
- 2024-07-21 [From insurers to builders to a co-op, these Iowa businesses have stood the test of time - The Des Moines Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVjJZb0VpNHlOekJXWWk2RWsyNVJOVG4zS1ZBYWN2eTFwb3VETDJKal9qYlFXLTFIeVdqaVlhSEU5Rl84WjdWMkNmbEhrNV96M19Ld0szRncyY191enh4QnM1RnB3TEQ1bzlqeWR0VndqaFdBVUZ3czdxQ0RSaXVIbXV4bFhHalNsV0xXV3I2dFFKQUFNRU1obXNNQzZhYWZ4cXZreW5DYkx3MFAyYWNqRElCeFhfc3otb3dTX0t3Wm9kWEdsY0I2N2c1VVI1RXVwd3RMMW9B?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=953 (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/57.json (key "953", 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