BTH Bank

Overview / Commentary
412 East Goode Street
Quitman, TX 75783

BTH Bank is headquartered in Quitman and is the 56th largest bank in the state of Texas. It is also the 564th largest bank in the nation. It was established in 1914 and as of March of 2022, it had grown to 121 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 Grade Components

FDIC Certificate #3402
Year Established1914
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD13.02%
Annual Interest Income$17.0MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$1.93B$2.06B
LoansQ1 2022vs Q1 2021$1.22B$1.27B
DepositsQ1 2022vs Q1 2021$1.67B$1.79B
Equity CapitalQ1 2022vs Q1 2021$241.2MM$256.2MM
Loan Loss AllowanceQ1 2022vs Q1 2021$14.2MM$23.8MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$5.1MM$52.6MM
Real Estate OwnedQ1 2022vs Q1 2021$200.00K$200.00K
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BTH Bank Checking Account Rates

0.10%*$50k*-Classic Checking
OTHER TIERS: 0.05% $20k - $50k


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