Btg Pactual Bank N.A.
New York, NY·RSSD 2916534·FDIC 35154·bank:2916534·Risk-based ratios where reported
- #66 of 127Total assets in New York
- 1offices
- 60employees
- Top 1%Deposit growth in the U.S.
- Top 1%Loan growth in the U.S.
- Top 3%Margin improvement in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Btg Pactual Bank N.A.
14 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter3.37%peers 1.80%+158 bps
Btg Pactual Bank N.A.'s cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.37% | 1.80% | +158 bps |
| Share of deposits that pay no interest | ||
| 11.2% | 20.5% | -9.3 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile. How signals work
C&I lending growing faster than peersStrength: Lending 2nd quarter+1149.0%peers +2.3%+1146.7 pp
Btg Pactual Bank N.A.'s commercial and industrial loans grew 1149.0% over the past year to $132 million. The median among 1405 similar banks was +2.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +1149.0% | +2.3% | +1146.7 pp |
| Commercial and industrial loans | ||
| $132 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter48.10%peers 10.81%+37.3 pp
Btg Pactual Bank N.A.'s leverage ratio rose 36.7 percentage points over the past year to 48.10%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 48.10% | 10.81% | +37.3 pp |
| 12-month change | ||
| +36.7 pp | +0.2 pp | +36.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+144.9%peers +4.7%+140.2 pp
Btg Pactual Bank N.A.'s total assets grew 144.9% over the past year to $978 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +144.9% | +4.7% | +140.2 pp |
| Total assets | ||
| $978 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.02%peers 0.45%-42 bps
Btg Pactual Bank N.A.'s noninterest income relative to average assets was 0.02%, compared with a median of 0.45% among 1434 similar banks: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.02% | 0.45% | -42 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile. How signals work
9 more observations
- Deposit costs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Loans growing faster than peersLending
- Reliance on CDs falling faster than peersFunding
- Borrowed funding falling while the peer median holds steadyFunding
- Deposits growing faster than peersFunding
- Deposit costs among the highest of similar banksFunding
- Net interest margin widening faster than peersEarnings
- Net charge-offs rising while the peer median holds steadyAsset quality
Key facts
- Btg Pactual Bank N.A. is a bank headquartered in New York, New York. It reported $978 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $460 million, up 57.1% from a year earlier, and loans totaled $447 million, up 67.0%.
- Its net interest margin was 3.40% and its annualized return on assets was -0.19% for the quarter.
- Its cost of all deposits was 3.37%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Btg Pactual Bank N.A.'s own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Btg Pactual Bank N.A. · Bank
- Federal Reserve RSSD
- 2916534
- FDIC certificate
- 35154
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Btg Pactual Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$452K | — | |
| $11.74M | — | |
| $4.04M | — | |
| $7.7M | — | |
| $54K | — | |
| $6.66M | — | |
| $1.12M | — | |
| $1.38M | — | |
| -0.19% | -0.19%ROAQ · Quarter | |
| 3.40% | 3.39%NIMYQ · Quarter | |
| 85.86% | 85.86%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.