BTH Bank Business Overview and Financial Analysis

BTH Bank is a financial institution that has been in operation for over 20 years, with a strong presence in the local market. It has a solid reputation for providing reliable banking services to its customers.

The bank's business model is built on a foundation of stability and security, with a focus on long-term growth and development. BTH Bank has a diverse range of financial products and services, catering to the needs of individuals, businesses, and organizations.

BTH Bank's financial performance has been steady over the years, with a consistent track record of profitability and growth. Its assets have grown significantly, reaching a total of $10 billion in 2020.

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BTH Bank's financial information reveals a strong foundation. The bank's Texas Ratio is a low 2.24%, indicating good coverage of potential loan losses.

The bank has a significant amount of equity, with $345,400,000 in tangible common equity, which helps to absorb potential losses. This is a good sign of a bank's stability.

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BTH Bank's Return on Equity (ROE) is 13.92%, which is higher than the U.S. Bank Average of 10.02%. This suggests that the bank is efficiently making money from its capital.

Here are some key financial metrics for BTH Bank:

The bank's capitalization is also strong, with a 18.49% capitalization ratio, which is higher than the U.S. Bank Average of 11.29%. This indicates that the bank has a solid foundation to underpin its loans and assets.

BTH Bank, National Association has a relatively low Texas Ratio of 2.24%, indicating better coverage of problem loans compared to the U.S. bank average of 4.62%.

The bank's Return on Equity (ROE) is a strong 13.92%, outperforming the U.S. bank average of 10.02%. This suggests that the bank is efficiently making money from its capital.

BTH Bank, National Association has a high Capitalization of 18.49%, which means it has a secure foundation to underpin its loans and assets.

Here's a comparison of the bank's financial metrics with the U.S. bank average:

A Summary Balance Sheet gives us a snapshot of a company's financial health. This is exactly what we have here.

The company has a total of $1,476.00 million in assets. This is the sum of all the different types of assets they have.

Breaking it down, we have $415.88 million in cash and balances due from depository institutions, $61.11 million in interest-bearing balances, and $9.61 million in total securities.

The company also has $1,222.04 million in net loans and leases, which is a significant portion of their assets.

Other notable assets include $140.60 million in goodwill and other intangibles, and $26.13 million in all other assets.

Here's a breakdown of the company's assets:

The company's liabilities are also a significant portion of their financial health. They have a total of $1,476.00 million in liabilities.

The majority of their liabilities come from total deposits, which amount to $1,452.76 million.

Other notable liabilities include $9.12 million in federal funds purchased and repurchase agreements.

Here's a breakdown of the company's liabilities:

The company's shareholders' equity is a crucial part of their financial health, and it amounts to $392.35 million.

BTH Bank's loan portfolio is dominated by Commercial and Industrial Loans, making up a whopping 47.41% of their total loans.

The bank's focus on Commercial and Industrial Loans is quite unique, as it significantly surpasses the percentage of such loans held by other banks in Texas.

Here's a breakdown of the top three loan types in BTH Bank's portfolio:

These three loan types account for more than 88% of BTH Bank's loan portfolio, indicating a clear focus on commercial lending.

BTH Bank, National Association has a unique loan profile compared to other banks in Texas. Their top three loan types are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Commercial and Industrial Loans make up a significant 47.41% of BTH Bank's loan portfolio, indicating a specialty in that lending area. This is significantly higher than other banks in Texas, suggesting they have a strong focus on supporting local businesses.

1-4 Family Residential Loans account for 23.87% of their loans, which is a relatively standard percentage compared to other banks. Multifamily Mortgages, on the other hand, make up only 1.65% of their portfolio.

Here's a breakdown of the loan types at BTH Bank, National Association:

Their loan portfolio also includes smaller percentages of other loan types, such as Construction and Development Loans, Commercial Real Estate, and Farm Loans. These percentages add up to a total of over 100%, which is due to rounding and double categorization of some loan types.

Customer reviews can be a great way to get a sense of a bank's reputation and customer satisfaction. BTH Bank, National Association has a customer review from June 17, 2022, where a customer was offered a rate of 0.40% on a 2-year CD term for $500,000.

The customer questioned whether the bank had the correct CD rates for Texas, suggesting that the bank's rates may not be accurate. This highlights the importance of verifying bank rates and terms before making a decision.

Some banks have been lowering their online savings rates in recent years. For example, PiBank lowered its online savings rate from 4.75% to 4.60% APY in February 2025, and Fitness Bank dropped its online savings rate to 4.55% APY on the same day.

Here are some banks that have lowered their online savings rates in the past few months:

It's worth noting that some banks have maintained their online savings rates, such as Ivy Bank, which kept its rate at 4.60% APY as of December 2, 2024.