BTC Bank
Bethany, Missouri, Harrison County
$1.9B in total assets, the 641st largest of 4,309 US banks and 20th of 195 headquartered in Missouri.
- FDIC certificate
- 10618
- Established
- 1919
- Owned by
- Bethany Bankshares Inc
- Primary regulator
- FDIC
- Website
- btcbank.bank
At a glance
Compared with 29 banks headquartered in Missouri 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 | $1.9B | 55% | $1.8B | |
| Loans | $1.5B | 59% | $1.2B | |
| Deposits | $1.4B | 48% | $1.5B | |
| Return on assets | 1.10% | 28% | 1.32% | |
| Net interest margin | 4.39% | 79% | 3.86% | |
| Efficiency ratio | 67.0% | 86% | 56.1% | |
| Equity to assets | 9.12% | 24% | 10.99% | |
| Loans to deposits | 107% | 90% | 93% |
Growth
Total assets grew 22.0% a year over the last 5 years and 16.1% a year over 10 years, including 6 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2026 | Tri-County Trust Company Glasgow, MO | $60M |
| Apr 2026 | The Tipton Latham Bank, National Association Tipton, MO | $193M |
| Oct 2022 | The Merchants and Farmers Bank of Salisbury Salisbury, MO | $111M |
| Nov 2021 | 1st Cameron State Bank Cameron, MO | $71M |
| Oct 2021 | Home Exchange Bank Jamesport, MO | $131M |
| May 2019 | The Bank of Fairport Maysville, MO | $18M |
| Oct 1998 | Bank of Gallatin/First State Bank Gallatin, MO, an affiliate under the same holding company | $28M |
Where they operate
30 branches in 17 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harrison County, MO | $286M | 67.4% | 1 of 5 |
| Moniteau County, MO | $168M | 35.1% | 1 of 5 |
| Daviess County, MO | $162M | 61.6% | 1 of 2 |
| Livingston County, MO | $110M | 20.3% | 3 of 5 |
| Chariton County, MO | $95M | 31.0% | 2 of 4 |
| Cooper County, MO | $88M | 17.0% | 2 of 8 |
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 23 branches since 2016 (7 to 30, +328.6%). 12 opened, 14 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Opened Boonville | 1 | 0 | +1 | 8 |
| 2017 | Opened Smithton | 1 | 0 | +1 | 9 |
| 2018 | Opened Trenton | 2 | 0 | +2 | 11 |
| 2019 | Acquired The Bank of FairportOpened Boonville, closed Boonville | 3 | 1 | +2 | 13 |
| 2021 | Acquired 1st Cameron State Bank and Home Exchange BankOpened Buffalo, closed Trenton | 6 | 1 | +5 | 18 |
| 2022 | Acquired The Merchants and Farmers Bank of Salisbury | 4 | 0 | +4 | 22 |
| 2024 | Opened Sedalia | 1 | 0 | +1 | 23 |
| 2025 | Opened Chula | 1 | 0 | +1 | 24 |
| 2026 through Q2 | Acquired The Tipton Latham Bank, National Association and Tri-County Trust CompanySold 1 branch to Connections Bank, opened 4 in Missouri | 7 | 1 | +6 | 30 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 38% | 4% | |
| 1-4 family residential | 22% | 20% | |
| Agricultural | 18% | 2% | |
| Commercial real estate | 12% | 31% | |
| Business (C&I) | 6% | 18% | |
| Construction and land | 2% | 11% | |
| Consumer | 2% | 4% | |
| Multifamily | 0% | 8% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 48% | |
| Time deposits | 36% | 33% | |
| Noninterest-bearing | 22% | 19% |
Brokered deposits are 0.7% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.72% | 0.63% |
| Net charge-offs, annualized | -0.00% | 0.04% |
| Reserves to loans | 1.15% | 1.30% |
| Leverage ratio | 9.35% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Harrison County, MO
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/btc