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Boone Bank & Trust Co.

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

Boone, IA

2 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +2.0% year over year ($143.0M on the books).
  • Delinquency rate 2.48%.
  • Return on assets 0.88%.
  • Efficiency ratio 59.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (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 5.04% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 20.8% in tier
  • - Net Interest Margin 1.39% below tier average
  • - Delinquency Rate 1.56% above tier average
  • - ROA 0.44% below tier average
Get updates when Boone Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $156.9M
-0.5% YoY -9.8% QoQ
-$229.6M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $78.4M
+6.6% YoY +4.0% QoQ
-$180.0M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 9.7% in tier
Total Deposits ? $143.0M
+2.0% YoY -10.7% QoQ
-$183.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 0.88%
+45.8% YoY -8.7% QoQ
-0.44% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 2.60%
+10.7% YoY +3.7% QoQ
-1.39% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 3.6% in tier
Efficiency Ratio ? 59.44%
-14.3% YoY -2.9% QoQ
-5.04% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 2.48%
+27.8% QoQ
+1.56% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 8.9% in tier
Loan-to-Deposit Ratio ? 54.81%
+4.5% YoY +16.5% QoQ
-23.14% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Top 12.4% in tier
Non-Interest-Bearing Deposit Share ? 13.84%
+22.8% YoY +25.1% QoQ
-8.20% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 1.24%
+47.3% QoQ
+0.57% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 13.53%
+6.8% YoY +3.6% QoQ
-2.38% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.26%
+28.0% YoY +144.2% QoQ
-0.31% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 13.8%
+2.6pp YoY
+2.8pp QoQ
 -8.3pp 22.1% 17.8% 22.2% 20%
Brokered Deposits 7.0%
+0.9pp YoY
+1.2pp QoQ
 -0.8pp 7.9% 6.0% 8.5% 64%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 15.0%
+3.4pp YoY
+6.4pp QoQ
 +3.4pp 11.6% 12.8% 12.5% 76%
CRE 33.9%
+0.2pp YoY
-1.8pp QoQ
 -5.7pp 39.5% 28.3% 41.4% 41%
1-4 Family 21.5%
+0.4pp YoY
-0.7pp QoQ
 -11.2pp 32.6% 23.0% 31.3% 33%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 2.9% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 13.5%
+0.9pp YoY
+0.5pp QoQ
 -5.3pp 18.8% 15.4% 19.7% 34%
Leverage Ratio 9.7%
+0.5pp YoY
0.0pp QoQ
 -2.5pp 12.2% 12.4% 12.6% 25%
Total Capital Ratio 14.5%
+1.0pp YoY
+0.6pp QoQ
 -5.4pp 19.9% 16.5% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 17
-2 (-10.5%) YoY
0 QoQ
 -42 58 64 482 7%
Assets per Employee ($) $9.2M
+11.2% YoY
-9.8% QoQ
 +$1.7M $7.5M $8.9M $8.8M 81%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 2.5%
+0.5pp QoQ
 +1.5pp 0.9% 1.0% 1.0% 91%
Allowance Coverage 0.57x
-12.9% QoQ
 -23.58x 24.15x 18.97x 20.23x 13%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.1%
+2.2pp YoY
-1.4pp QoQ
 -1.1pp 12.2% 12.8% 11.6% 43%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 51%
Net Income ($, YTD) $719,000
+46.1% YoY
— QoQ
 -$1.8M $2.6M $4.0M $40.4M 17%

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
#111 of 529 • Bottom 20.8% 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: 0.88%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

328
Loan-to-Deposit Ratio
liquidity
Value: 54.81%
Peer Median: 77.95%
#328 of 2643 Top 12.4% in $100M-$1B

Top Weaknesses (7 metrics)

2548
Net Interest Margin
profitability
Value: 2.60%
Peer Median: 3.99%
#2548 of 2643 Bottom 3.6% in $100M-$1B
2400
Delinquency Rate
credit_quality
Value: 2.48%
Peer Median: 0.92%
#2400 of 2633 Bottom 8.9% in $100M-$1B
2388
Total Loans
size
Value: $78.36M
Peer Median: $258.35M
#2388 of 2643 Bottom 9.7% in $100M-$1B
2227
Nonperforming Asset Ratio
credit_quality
Value: 1.24%
Peer Median: 0.67%
#2227 of 2643 Bottom 15.8% in $100M-$1B
2218
Total Assets
size
Value: $156.94M
Peer Median: $386.57M
#2218 of 2643 Bottom 16.1% in $100M-$1B
2138
Total Deposits
size
Value: $142.97M
Peer Median: $326.73M
#2138 of 2643 Bottom 19.1% in $100M-$1B
2107
Non-Interest-Bearing Deposit Share
funding
Value: 13.84%
Peer Median: 22.03%
#2107 of 2643 Bottom 20.3% in $100M-$1B
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