Banterra Bank
Marion, Illinois, Williamson County
$3.4B in total assets, the 392nd largest of 4,309 US banks and 25th of 328 headquartered in Illinois.
- FDIC certificate
- 17514
- Established
- 1955
- Owned by
- Banterra Corp
- Primary regulator
- FDIC
- Website
- www.banterra.bank
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.4B | 60% | $2.7B | |
| Loans | $2.7B | 62% | $2.0B | |
| Deposits | $3.0B | 64% | $2.3B | |
| Return on assets | 0.83% | 14% | 1.42% | |
| Net interest margin | 3.35% | 29% | 3.57% | |
| Efficiency ratio | 65.3% | 86% | 51.0% | |
| Equity to assets | 6.73% | 2% | 10.00% | |
| Loans to deposits | 88% | 58% | 86% |
Growth
Total assets grew 7.0% a year over the last 5 years and 9.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2014 | Area Bank Rosiclare, IL | $104M |
| Oct 2007 | The Exchange National Bank of Jefferson City Jefferson City, MO | $506M |
| Dec 2000 | The National State Bank of Metropolis Metropolis, IL | $90M |
| Jun 1999 | Heartland National Bank Herrin, IL | $62M |
| Sep 1998 | Banterra Bank, National Association Paducah, KY | $84M |
| Sep 1998 | Banterra Bank of West Frankfort West Frankfort, IL | $104M |
| Sep 1998 | Banterra Bank of Christopher Christopher, IL | $56M |
| Sep 1998 | Banterra Bank Group Eldorado, IL | $169M |
Where they operate
41 branches in 21 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Williamson County, IL | $491M | 25.8% | 1 of 14 |
| Franklin County, IL | $272M | 32.9% | 1 of 9 |
| Mccracken County, KY | $263M | 11.6% | 3 of 10 |
| Cape Girardeau County, MO | $246M | 7.1% | 6 of 16 |
| Vanderburgh County, IN | $239M | 2.0% | 6 of 13 |
| Jefferson County, IL | $215M | 19.9% | 3 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (36 to 41, +13.9%). 11 opened, 0 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 36 | |||
| 2018 | Opened 3 in Illinois | 3 | 0 | +3 | 39 |
| 2019 | Opened Sun City West and TempeClosed Carbondale and West Frankfort | 2 | 2 | 0 | 39 |
| 2020 | Opened Marion and ScottsdaleClosed Marion | 2 | 1 | +1 | 40 |
| 2022 | Opened Cottonwood Heights and TempeClosed Tempe | 2 | 1 | +1 | 41 |
| 2024 | Opened Sun CityClosed Cave In Rock | 1 | 1 | 0 | 41 |
| 2025 | Opened GilbertClosed Tempe | 1 | 1 | 0 | 41 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Consumer | 31% | 5% | |
| Commercial real estate | 24% | 28% | |
| Business (C&I) | 20% | 26% | |
| Construction and land | 10% | 7% | |
| 1-4 family residential | 8% | 14% | |
| Agricultural | 2% | 2% | |
| Farmland | 2% | 3% | |
| Multifamily | 1% | 9% | |
| Other | 1% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 55% | |
| Time deposits | 30% | 24% | |
| Noninterest-bearing | 17% | 21% |
Brokered deposits are 14.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.37% | 0.52% |
| Net charge-offs, annualized | 0.10% | 0.07% |
| Reserves to loans | 0.95% | 1.13% |
| Leverage ratio | 9.41% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Williamson County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banterra