BTC Bank
- Company typePrivate
- Founded1919
- HeadquartersBethany, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
BTC Bank firmographics
Firmographics- Name
- BTC Bank
- Legal name
- BTC Bank
- Website
- https://btcbank.bank
- Company type
- Private
- Founded year
- 1919
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
BTC Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Corporate Cash Management & Treasury ACH (FSAMAGAG)
Keywords
Where BTC Bank is headquartered
LocationHeadquarters
- HQ city
- Bethany
- HQ country
- United States
- HQ region
- North America
Offices29 records
Markets served
BTC Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income on Loans: BTC Bank generates revenue primarily through interest earned on agricultural loans, commercial real estate loans, home mortgages, personal loans, and business financing. Loan types include Ag LOC & operating loans, farm real estate financing, farm equipment financing, livestock financing, commercial real estate loans, commercial equipment financing, revolving credit lines, home mortgage loans, home equity lines of credit, and personal loans.
- Interest Income on Deposits: Revenue generated from interest-bearing deposit products including certificates of deposit (CDs), Individual Retirement Accounts (IRAs), Health Savings Accounts (HSAs), and interest-bearing business accounts.
- Deposit Account Fees and Service Charges: Fees from checking and savings accounts including dormant account fees ($1.00/month after 12 months of inactivity on balances below $100), monthly service charges ($3.00 if balance falls below $300 for regular business checking), and withdrawal fees ($0.50 per debit in excess of 6 per quarter for business savings).
- Wealth Management and Trust Services: Revenue from trust and asset management, estate and trust administration, business succession planning, and farm succession planning services. Services provided by Trust Officer and General Counsel Johnathan L. Meyer.
- Insurance Referral Commissions: BTC Bank partners with AgriSompo to offer crop insurance (MPCI), pasture/rangeland/forage (PRF) rainfall index insurance, and livestock risk protection (LRP) insurance. The bank earns referral/commission income by connecting customers with insurance products.
- Card Transaction Interchange: Revenue from debit and credit card transaction processing, including the Mascot Debit Card program which donates 7.5 cents per swipe to local schools.
- Business Banking Services: Fees from business services including direct deposit & ACH services, remote deposit services, point of sale & card processing, check fraud protection with Positive Pay, and business sweep accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Compass Interest Checking — 2.50% APY on balances up to $10,000, 0.30% APY above $10,000 |
| Subscription | Monthly | Compass Cash Back Checking — 4.00% cash back on debit card purchases, up to $10/month |
| Subscription | Monthly | Regular Business Checking — $300 minimum balance requirement |
| Subscription | Monthly | Business NOW Checking — $1,000 minimum balance, interest-bearing |
| Subscription | Monthly | Business Tiered Money Market Account — $2,500 minimum deposit |
| Subscription | Monthly | Business Savings Account — low minimum deposit |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit (CDs) — minimum $500 deposit |
| Subscription | Monthly | Minor Checking — $100 minimum deposit, age 17 and under |
| Subscription | Monthly | New Horizon Youth Savings — $1 minimum deposit, interest-bearing |
| Subscription | Monthly | Personal Home Mortgage Loans — FHA, USDA, VA, and Conventional options |
| Subscription | Monthly | Health Savings Account (HSA) — tax-advantaged, in-house servicing |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
BTC Bank product offering
Product offeringCore offering
BTC Bank is a community bank offering deposit accounts, consumer and commercial loans, agricultural financing, and wealth management services across 23 branches in Missouri, Iowa, and Arkansas. Core offerings include personal checking and savings, CDs, IRAs, HSAs, home mortgages and HELOCs, commercial real estate and equipment loans, agricultural lending (farm real estate, equipment, livestock, operating lines), farm management, estate and trust administration, and business succession planning. The bank also offers digital banking via mobile apps (iOS/Android), online account opening, treasury management for business customers, and insurance referrals through AgriSompo.
Product overview
BTC Bank is a community bank founded in 1919 offering a comprehensive suite of banking products and services through four main platforms: Personal Banking (checking, savings, mortgages, personal loans, and digital banking), Business Banking (commercial checking, loans, and business services), Agriculture Banking (farm financing, equipment loans, livestock financing, farm management, and crop insurance), and Wealth Management (estate planning, trust administration, and succession planning). The bank operates 23 locations across Missouri and Iowa and was named Missouri's #1 Ag Bank by ICBA in 2024. Key products include Compass Checking accounts with interest or cash back rewards, School Mascot Debit Cards that donate to local schools, mobile and digital banking apps, and specialized agricultural products including FarmRaise Tracks farm accounting access and insurance through AgriSompo.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Quantifiable outcome
- 4.8-star rating on Google reviews
- +3 more outcomes
Companies that use BTC Bank
Customer profileSegments4 records
Ideal customer profiles4 records
BTC Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
BTC Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Missouri 4-H FoundationminorBTC Bank made a five-year pledge of support to the Missouri 4-H Foundation to fund the statewide launch of 'On My Own,' a household finance simulator for youth ages 13-18. The program is designed by University of Tennessee Extension and delivered by Missouri 4-H faculty. This partnership supports financial literacy and youth education while building community goodwill.
- AgriSompocoreBTC Bank has partnered with AgriSompo to provide comprehensive farm insurance solutions to its agricultural customers. The partnership offers MPCI (Multi Peril Crop Insurance), PRF (Pasture, Rangeland and Forage Rainfall Index) Insurance, and LRP (Livestock Risk Protection) Insurance. This partnership is available to both BTC Bank customers and non-customers, providing an additional revenue stream through referrals while serving the insurance needs of the farming community.
- University of Missouri Extension 4-HminorMissouri 4-H faculty and staff deliver the On My Own financial education simulation developed by University of Tennessee Extension, with BTC Bank's five-year pledge supporting the statewide program launch.
- EVERFIminorBTC Bank partners with EVERFI to bring the BTC Bank Financial Scholars Program to schools throughout its service area. The program provides an interactive, web-based financial management course to students at no cost to the school, supporting youth financial literacy.
- ICBA (Independent Community Bankers of America)minorBTC Bank is recognized by the Independent Community Bankers of America, which named BTC Bank the #1 Agricultural Bank in Missouri. ICBA represents community banks nationwide with over 50,000 locations.
- FDIC (Federal Deposit Insurance Corporation)coreBTC Bank deposits are FDIC-insured, backed by the full faith and credit of the U.S. Government, providing deposit insurance protection to customers.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
BTC Bank competitors and assessment
Company assessmentDirect peers
- Great Southern Bancorp: Springfield, Missouri-based community bank holding company offering commercial, consumer, and ag lending across the Midwest. Comparable in size, scope, and operating geography to BTC Bank.
- QCR Holdings: Midwest community bank holding company with banks in Iowa, Illinois, Missouri, and Minnesota offering consumer, commercial, and ag lending. Comparable in scale, footprint overlap (Iowa/Missouri), and community banking focus.
- Equity Bancshares: Kansas and Missouri-based community bank holding company with comparable consumer and commercial banking services and similar M&A-driven growth strategy. Directly comparable as a Plains-state community bank consolidator.
- West Bancorporation: Iowa-based community bank holding company operating across the state with consumer, commercial, and ag lending. Directly comparable given shared Iowa service area and similar size and customer mix.
- Stock Yards Bancorp: Louisville, Kentucky-based community bank holding company with wealth management and ag-business banking presence across the Midwest. Comparable as a private, conservatively-run community bank with strong wealth/treasury franchise.
- Hawthorn Bancshares: Community bank holding company headquartered in Jefferson City, Missouri with a comparable mix of consumer, small business, and ag lending across central Missouri. Closely mirrors BTC Bank's branch-led, relationship-driven model and regional Midwest footprint.
- FCS Financial: Missouri-based Farm Credit System lender focused on agricultural real estate, operating, and equipment loans. Directly comparable to BTC Bank's ag lending franchise, though FCS operates as a borrower-owned cooperative rather than a community bank.
Broad incumbents
- Commerce Bank: Major Kansas City, Missouri-based regional bank offering consumer, commercial, and wealth services across MO, KS, IL, OK, and CO. Competes in BTC Bank's core Missouri geography but at much larger scale and broader product set.
- UMB Financial Corporation: Large Missouri-based bank holding company with commercial, consumer, ag, and institutional banking across the Midwest. Overlaps with BTC Bank in Missouri geography and ag banking but operates at materially larger scale and broader product scope.
Regional players
- Midland States Bancorp: Illinois-headquartered community bank holding company with ag, commercial, and consumer lending across the greater Midwest. Comparable in business model, though primarily anchored in Illinois rather than BTC Bank's MO/IA/AR footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
BTC Bank social profiles
Digital presenceBTC Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
BTC Bank leadership team
Management profileNumber of profiles
Profiles8 records
BTC Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
BTC Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BTC Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BTC Bank
What does BTC Bank do?
BTC Bank is a community bank offering deposit accounts, consumer and commercial loans, agricultural financing, and wealth management services across 23 branches in Missouri, Iowa, and Arkansas. Core offerings include personal checking and savings, CDs, IRAs, HSAs, home mortgages and HELOCs, commercial real estate and equipment loans, agricultural lending (farm real estate, equipment, livestock, operating lines), farm management, estate and trust administration, and business succession planning. The bank also offers digital banking via mobile apps (iOS/Android), online account opening, treasury management for business customers, and insurance referrals through AgriSompo.
Is BTC Bank a public or private company?
BTC Bank is a private company. It is classified as unknown and is currently operating.
When was BTC Bank founded?
BTC Bank was founded in 1919. It employs 101 to 250 people.
Where is BTC Bank based?
BTC Bank is headquartered in Bethany, United States, in the North America region.
How does BTC Bank make money?
Seven revenue lines are on record. Interest Income on Loans are the primary driver. The others are interest Income on Deposits, deposit Account Fees and Service Charges, wealth Management and Trust Services, insurance Referral Commissions, card Transaction Interchange and business Banking Services.
Who are BTC Bank's main competitors?
Direct peers on record are Great Southern Bancorp, QCR Holdings, Equity Bancshares, West Bancorporation, Stock Yards Bancorp, Hawthorn Bancshares and FCS Financial. Broad incumbents are Commerce Bank and UMB Financial Corporation. Midland States Bancorp is listed as a regional player.
Does BTC Bank have an API?
No public API is recorded for BTC Bank.
What industry is BTC Bank in?
BTC Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAMAGAG, Corporate Cash Management & Treasury ACH. Its NAICS code is 52211 and its SIC code is 6022.