← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Bankers Trust Co.

Des Moines, Iowa · $7.83B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

53.1%
CRE / loans
12th of 12
359.5%
CRE / capital
12th of 12
+1.5%
Loans, year over year
11th of 12, largest first

Bankers Trust Co. is the sixth largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $7.83B in assets at 30 June 2026. Loans are 89.7% of deposits, 8th of 12 against a median of 86.4%, and equity is 9.5% of assets, 8th of 12. Loans grew +1.5% in the year, 11th of 12, and deposits grew 19.3%; the cohort's median loan growth is +7.3%.

Noncurrent loans are 0.31% of the book, 3rd of 12 against a median of 0.61%; 0.20% is 30 to 89 days past due, and the allowance covers them 4.4 times. Commercial real estate is 53.1% of loans, the highest in the cohort against a median of 34.5%, and 360% of capital, above the 300% screen, with construction at 59% against the 100% screen.

Return on assets is 1.03%, 10th of 12 against a median of 1.35%, on an efficiency ratio of 58.5%, 9th of 12. Five years ago it was 0.84%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 5.3% of loans).

Commercial real estate, share of loansPlains states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 34.5% PB Principal Bank 0.0% PN Pathward National Association 0.8% CF Capitol Federal Savings Bank 23.1% FB First Bank 30.2% FI First International Bank & Trust 33.2% BB Bcorp Bank National Association 33.6% IB Intrust Bank National Association 35.5% CF Choice Financial Group 36.2% UB Union Bank & Trust Co. 36.4% EB Equity Bank 36.5% PB Pinnacle Bank 41.8% BT Bankers Trust Co. 53.1%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.3% EB Equity Bank +50.2% PB Principal Bank +13.5% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% FB First Bank +7.8% PB Pinnacle Bank +7.7% BB Bcorp Bank National Association +7.0% UB Union Bank & Trust Co. +5.0% IB Intrust Bank National Association +3.6% CF Capitol Federal Savings Bank +1.8% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4%

SBA 7(a), FY2008 to FY2026

Bankers Trust Co. is the 10th largest 7(a) lender into Iowa of 416, with $60M across 199 loans, 2.1% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 14 of its 24 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Polk, IA$30M6th of 1774.3%-2.4 pts
Linn, IA$15M4th of 834.8%-0.4 pts
Marion, IN$4M58th of 1720.3%quiet FY2015
Story, IA$3M7th of 584.7%quiet FY2017
Dallas, IA$3M9th of 733.3%-2.3 pts
Maricopa, AZ$2M178th of 3030.0%thin
Poweshiek, IA$1M3rd of 1413.4%quiet FY2010
Benton, IA$1M5th of 217.5%quiet FY2012
Johnson, IA$638K31st of 670.5%quiet FY2016
Black Hawk, IA$589K24th of 480.5%thin
Wright, IA$582K4th of 811.5%quiet FY2017
Hardin, IA$553K3rd of 116.9%quiet FY2018
Warren, IA$414K25th of 450.8%thin
11 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services39$15M22.8%0.05%224th of 1,955
Wholesale trade20$8M11.9%0.03%340th of 1,651
Administrative & waste services6$7M10.6%0.05%258th of 1,763
Health care & social assistance22$5M7.8%0.01%551st of 2,172
Construction16$4M6.7%0.01%614th of 2,063
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Bankers Trust Co.
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bankers Trust Co.RankCohort median
Total CRE against capital, the 300% screen360%12th of 12220%
Construction against capital, the 100% screen59%8th of 1236%
Construction and land development, share of loans8.7%8th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans38.0%12th of 1219.1%
Total CRE, the guidance definition, share of loans53.1%12th of 1234.5%
CRE growth over 36 months, the third prong+28.7%7th of 11+28.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Principal Bank$9.84B1.6%38.0%0.44%0.00%0.2%32.3%5.0%
Capitol Federal Savings Bank$9.68B0.9%52.8%0.62%0.00%0.3%118.5%10.1%
Union Bank & Trust Co.$9.24B1.6%54.7%0.32%0.10%1.6%93.1%10.8%
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pinnacle Bank$9.18B1.4%46.3%0.07%0.00%1.1%84.0%9.7%
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bankers Trust Co.Cohort median
20212026Change20212026Change
Loans$3.92B$6.02B+54%$3.69B$5.31B+44%
Deposits$4.70B$6.72B+43%$5.46B$6.52B+19%
NPA / loans0.12%0.31%+0.19 pts0.51%0.61%+0.10 pts
Efficiency62.1%58.5%-3.6 pts57.9%56.8%-1.1 pts
ROA0.84%1.03%+0.19 pts1.49%1.35%-0.14 pts

This read was prepared for Bankers Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bankers Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.bankerstrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue