BlastPoint's Banking Scorecard

Boone Bank & Trust Co.

$100M-$1B Specialty: Agricultural IA FDIC cert 33552

Boone, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Boone Bank & Trust Co. has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 4.10% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 24.0% in tier
- Net Interest Margin 1.42% below tier average
- ROA 0.30% below tier average
- Delinquency Rate 1.05% above tier average

Get updates when Boone Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$173.9M -0.9% YoY +8.4% QoQ	-$212.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$75.4M +3.7% YoY -0.7% QoQ	-$180.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 9.3% in tier
Total Deposits ?	$160.2M -2.0% YoY +13.1% QoQ	-$167.8M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	0.96% +82.0% YoY +48.5% QoQ	-0.30%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	2.51% +13.4% YoY +6.2% QoQ	-1.42%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 3.3% in tier
Efficiency Ratio ?	61.18% -15.0% YoY -9.3% QoQ	-4.10%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	1.94%	+1.05%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 13.2% in tier
Loan-to-Deposit Ratio ?	47.06% +5.8% YoY -12.1% QoQ	-29.58%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 7.4% in tier
Non-Interest-Bearing Deposit Share ?	11.06% +0.9% YoY -12.1% QoQ	-10.96%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 13.0% in tier
Nonperforming Asset Ratio ?	0.84%	+0.20%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	13.06% +6.9% YoY +1.9% QoQ	-2.77%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.10% +16.2% YoY -75.1% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	55%

Get Full Access to Boone Bank & Trust Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#124 of 512 • Bottom 24.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.96%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

197

Loan-to-Deposit Ratio

liquidity

Value: 47.06%

Peer Median: 76.64%

#197 of 2664 Top 7.4% in $100M-$1B

Top Weaknesses (7 metrics)

2577

Net Interest Margin

profitability

Value: 2.51%

Peer Median: 3.93%

#2577 of 2664 Bottom 3.3% in $100M-$1B

2418

Total Loans

size

Value: $75.38M

Peer Median: $255.72M

#2418 of 2664 Bottom 9.3% in $100M-$1B

2320

Non-Interest-Bearing Deposit Share

funding

Value: 11.06%

Peer Median: 22.02%

#2320 of 2664 Bottom 13.0% in $100M-$1B

2305

Delinquency Rate

credit_quality

Value: 1.94%

Peer Median: 0.89%

#2305 of 2654 Bottom 13.2% in $100M-$1B

2124

Total Assets

size

Value: $173.92M

Peer Median: $386.08M

#2124 of 2664 Bottom 20.3% in $100M-$1B

2030

Total Deposits

size

Value: $160.19M

Peer Median: $327.97M

#2030 of 2664 Bottom 23.8% in $100M-$1B

2019

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2019 of 2664 Bottom 24.2% in $100M-$1B