Btc Bank vs Civic Central
Comparing a Bank in Bethany, MO with a Credit Union in Jefferson City, MO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Btc Bank ↗ Bank · Bethany, MO · Est. 1919 | Civic Central ↗ Credit Union · Jefferson City, MO · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Bethany, MO | Jefferson City, MO |
| Total assets | $1.6B | $102.4M |
| Capital ratio | 10.6% | 13.8% |
| Return on assets | 1.2% | 1.1% |
| Deposits | $1.2B | — |
| Branches | 29 | 4,926 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 195 | #3 of 89 |
| Established | 1919 | 1939 |
Btc Bank
- Assets: $1.6B
- Deposits: $1.2B
- Capital ratio: 10.6%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 195
Civic Central
- Assets: $102.4M
- Members: 4,926
- Capital ratio: 13.8%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #3 of 89
Are both institutions federally insured?
Yes. Btc Bank is FDIC-insured and Civic Central is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Btc Bank or Civic Central?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Btc Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Btc Bank safe?
Yes — Btc Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Civic Central safe?
Yes — Civic Central is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Btc Bank vs Civic Central?
Btc Bank has a capital ratio of 10.6%, placing it in the top 44% of $1B–10B peers. Civic Central's ratio is 13.8%, placing it in the top 21% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Btc Bank have compared to Civic Central?
The CFPB database shows 0 complaints against Btc Bank, and 0 complaints against Civic Central. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Btc Bank with other Banks in Missouri
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
