BTC Bank

3606 Miller Street
Bethany, MO 64424

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10618
Date Established 1919
Assets $0.45 billion
Loans $0.34 billion
Deposits $0.37 billion
Capital $0.06 billion

BTC Bank is an FDIC insured institution located in Bethany, MO. It was founded in 1919 and has approximately $0.45 billion in assets. Customers can open an account at one of its 8 branches.

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

Bank Loan Profile?

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

Compared to other banks in Missouri, BTC Bank has a significantly higher percent of Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.83
Multifamily
Mortgages
0.05
Credit Card Loans 0.00
Consumer Auto Loans 1.95
Small Business Loans 2.41
Construction and Development Loans 2.94
Commercial Real Estate 4.72
Commercial and Industrial Loans 10.71
Farm Loans 32.45

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $500 - Learn MoreShow Less
6 Mo CD 10K
0.60% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.35% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.70% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BTC 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to BTC Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

BTC Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Btc Bank Locations

Financial Details

BTC Bank Ratio Analysis

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

Texas Ratio
BTC Bank U.S. Bank Average
6.2% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, BTC Bank had $3,134,000 in non-current loans and $749,000 in owned real estate. To cover these potential losses it had $59,998,000 in equity and $2,630,000 in loans loss reserves. That gives it a Texas Ratio of 6.2%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
BTC Bank U.S. Bank Average
10.25% 8.58

BTC Bank has a Return on Equity of 10.25% versus the BestCashCow average of 8.58. 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.

Capitalization
BTC Bank U.S. Bank Average
13.32% 12.11

BTC Bank has a Capitalization of 13.32% versus the BestCashCow average of 12.11. 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.

BTC Bank Balance Sheet Analysis

As of June 30, 2017, BTC Bank had assets of $450,370,000, loans of $338,681,000, and deposits of $370,038,000. 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.

Frequently Asked Questions About BTC Bank

Branches and Savings

Is BTC Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10618.

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

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

Why are BTC Bank CD rates not competitive?

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

Is BTC Bank a commercial bank?

Yes

Where are BTC Bank locations?

See branch locations nearby.

Is BTC Bank open on Saturdays?

Is BTC Bank open on Sundays?

What time does BTC Bank open?

What time does BTC Bank close?

Are BTC Bank ATMs Open 24/7?

Do BTC Bank ATMs accept cash deposits?

Can BTC Bank customers use other ATMs?

Do BTC Bank branches have notaries?

Will BTC Bank notarize my document?

What address for BTC Bank should I put for incoming ACH transfers?

Will the BTC Bank branch print checks?

Do BTC Bank checks expire?

Does BTC Bank require US citizenship to open account?

Can BTC Bank close my account?

Does BTC Bank Report to credit bureaus?

Does BTC Bank Use Equifax?

What is BTC Bank's ACH Routing Number?

What is BTC Bank's SWIFT code?

Products

Does BTC Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does BTC Bank offer personal loans?

Compare personal loan rates here.

Does BTC Bank offer student loans?

Will BTC Bank cash a check?

Will BTC Bank redeem a savings bond?

Does BTC Bank cash savings bonds?

Will BTC Bank cash money orders?

Can BTC Bank issue a money order?

Does BTC Bank do currency exchange?

Background on The Bank

Who owns BTC Bank?

How long has BTC Bank been around?

Can BTC Bank transfer to other banks?

Does BTC Bank have quick pay?

Does BTC Bank accept rolled coins?

Will BTC Bank accept loose change?

Where is BTC Bank headquarters?

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