BlastPoint's Banking Scorecard
Boone Bank & Trust Co.
Micro
Specialty: Agricultural
IA
FDIC cert 33552
Designations: ✓ Community bank
Boone, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Boone Bank & Trust Co. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.4M
+2.4% YoY
-9.2% QoQ
|
-$57.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$75.9M
+5.5% YoY
+1.1% QoQ
|
-$63.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$141.7M
-2.6% YoY
-13.2% QoQ
|
-$42.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.65%
+72.1% YoY
+4.2% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.36%
+17.7% YoY
+2.6% QoQ
|
-1.49% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
67.47%
-11.9% YoY
-1.1% QoQ
|
-0.25% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
53.56%
+8.2% YoY
+16.6% QoQ
|
-20.97% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
12.59%
+10.4% YoY
+24.8% QoQ
|
-9.80% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.82%
+1.5% YoY
+1.4% QoQ
|
+3.97% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.42%
-0.7% YoY
+44.6% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.36%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
46
46th pctile
Efficiency Ratio
Current: 67.47% · Tier avg: 67.73%
43
43th pctile
Total Deposits
Current: $141.7M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $160.4M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $75.9M · Tier avg: $139.2M
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 22.39%
17
17th pctile
Loan-to-Deposit Ratio
Current: 53.56% · Tier avg: 74.53%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 53.56% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 22.39%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
32
32th pctile
Total Loans
Current: $75.9M · Tier avg: $139.2M
41
41th pctile
Total Assets
Current: $160.4M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $141.7M · Tier avg: $183.7M
46
46th pctile
Efficiency Ratio
Current: 67.47% · Tier avg: 67.73%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%