BTH Bank


Overview / Commentary
903-763-2264
412 East Goode Street
Quitman, TX 75783

BTH Bank is headquartered in Quitman and is the 41st largest bank in the state of Texas. It is also the 508th largest bank in the nation. It was established in 1914 and as of March of 2021, it had grown to 116 employees at 13 locations. BTH Bank has a B+ health rating.

Reviews (2)

Regional Bank In Size And Attitude

Posted by: |

was going to open and account and transfer some maturing CDs.

Came time to do the paperwork, and my contact in their home office was not there. Got tossed around and got the feeling they really did not want business that was not immediately local and next to their brink and mortar. Had been lead to believe otherwise, but this is the reality.

So, good rates if you are nearby. ELSE, plenty of other places to take your funds. They act like they are doing YOU a favor by giving you an account. NOT MY CUP OF TEA.

Disappointing Service To Long Term Customer

Posted by: |

I have had CD's and MMA's at BTH for years and am a major depositor. 8 CD's came due Sunday. I was contacted by my bank officer a few weeks ago about renewal. They told me their rates and I selected 1.10 for 18 mo., which was a good rate. Paperwork was a bigger hassle than ever before. I received the paperwork last week and spent considerable time completing it. CD's matured over the weekend and before I could submit the paperwork, I was notified the rate had cratered from 1.10 to .9. I expected them to honor the rate we had discussed, but BTH refused saying rates were subject to change without notice. I contacted the bank president who seemed to care less about the long term relationship, the loss of substantial deposits and my business. She refused to honor the rate so I picked up the redemption checks today and moved the accounts to a bank that offered a better rate and customer service.



Health
B+

Health Grade Components

Overall
FDIC Certificate #3402
Year Established1914
Employees116
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD7.99%
Annual Interest Income$16.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$2.06B$1.83B
LoansQ1 2021vs Q1 2020$1.27B$1.36B
DepositsQ1 2021vs Q1 2020$1.79B$1.58B
Equity CapitalQ1 2021vs Q1 2020$256.2MM$241.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$23.8MM$16.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$52.6MM$43.3MM
Real Estate OwnedQ1 2021vs Q1 2020$200.00K$200.00K
Rates
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BTH Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Classic Checking
OTHER TIERS: 0.05% $20k - $50k
Locations

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