Banterra Bank


3201 Banterra Dr
Marion, IL 62959
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Notable Rates APY Vs.Others
Savings 0.02% 0.85% →
1-Year CD 0.35% 0.75% →
2-Year CD 0.15% 0.80% →
5-Year CD 0.25% 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Banterra Bank is an FDIC insured institution located in Marion, IL. It was founded in 1955 and has approximately $2.39 billion in assets. Customers can open an account at one of its 41 branches.

FDIC Insured Yes
FDIC Certificate # 17514
Date Established 1955
Assets $ 2.39 billion
Loans $ 1,705.25 million
Deposits $ 2.10 billion
Capital $ 221.22 million

For a more detailed analysis of Banterra Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.02% $2,500 $4,999 Learn More
Money Market
0.04% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.15% $10,000 $14,999 Learn More
24 Mo CD
0.15% $100,000 $199,999 Learn More
30 Mo CD
0.15% $10,000 $14,999 Learn More
30 Mo CD
0.15% $100,000 $199,999 Learn More
36 Mo CD
0.15% $10,000 $14,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.20% $10,000 $14,999 Learn More
48 Mo CD
0.20% $100,000 $199,999 Learn More
60 Mo CD
0.25% $10,000 $14,999 Learn More
60 Mo CD
0.25% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Banterra Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.809% 2.750%
0.75 points
$1,928 fees
$1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Banterra Bank
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Financial Details

Banterra Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banterra Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Banterra Bank U.S. Bank Average
2.65% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Banterra Bank had $5,506,000 in non-current loans and $888,000 in owned real estate. To cover these potential losses it had $221,222,000 in equity and $20,126,000 in loans loss reserves. That gives it a Texas Ratio of 2.65%.

Return on Equity
Banterra Bank U.S. Bank Average
16.95% 11.29%

Banterra Bank has a Return on Equity of 16.95% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Banterra Bank U.S. Bank Average
9.25% 11.72%

Banterra Bank has a Capitalization of 9.25% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Banterra Bank Balance Sheet Analysis

As of June 30, 2021, Banterra Bank had assets of $2,391,845,000, loans of $1,705,247,000, and deposits of $2,097,049,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 31.79 million
Interest-bearing balances $ 7.75 million
Total securities $ 571.45 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,705.25 million
Loan loss allowance $ 20.13 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.89 million
Goodwill and other intangibles $ 11.92 million
All other assets $ 44.41 million
     Total Assets $ 2.17 billion
Total deposits $ 2.10 billion
      Interest-bearing deposits $ 1,585.35 million
      Deposits held in domestic offices $ 2.10 billion
      % insured (estimated) 82.37%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 40.19 million
Subordinated debt $ 14.84 million
All other liabilities $ 18.54 million
      Total Liabilities $ 2.17 billion
      Shareholders’ Equity $ 221.22 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 40.70 million
Total Interest Expense $ 2.55 million
Net interest income $ 38.15 million
Provision for loan and lease losses $ 2.36 million
Total non interest income $ 7.28 million
Total non interest expense $ 24.53 million
Pre-tax Net Operating Income $ 18.54 million

Bank Loan Profile?

The top three loan types in Banterra Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Banterra Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.05
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 3.42
Construction and Development Loans 2.65
Commercial Real Estate 17.78
Commercial and Industrial Loans 34.84
Farm Loans 2.70

Frequently Asked Questions About Banterra Bank

Branches and Savings

Is Banterra Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17514.

Why does Banterra Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Banterra Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Banterra Bank a commercial bank?


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Does Banterra Bank offer mortgages?

Compare mortgage rates here.

Does Banterra Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banterra Bank offer personal loans?

Compare personal loan rates here.

Does Banterra Bank offer student loans?

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Background on The Bank

Who owns Banterra Bank?

How long has Banterra Bank been around?

Can Banterra Bank transfer to other banks?

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