Boone Bank & Trust Co.
Boone, IA · Cert 33552 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 2 branches (19 in holding)
Q2 2026
$156.9MAssets
$79.5MLoans
$143.0MDeposits
$13.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 93% of banks under $1B in assets operating in a single state (rank 695 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.92%
Rank 452 of 746
Net Interest Margin
2.50%
Rank 695 of 746
Efficiency Ratio
59.44%
Rank 273 of 746
Equity / Assets
8.38%
Rank 614 of 746
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 39% | 452 / 746 | | |
| Return on Equity | 10.93% | 6.74% | 10.51% | 13.63% | Beats 54% | 344 / 746 | | |
| Net Interest Margin | 2.50% | 3.17% | 3.68% | 4.16% | Beats 7% | 695 / 746 | | |
| Efficiency Ratio | 59.44% | 55.74% | 64.58% | 75.47% | Beats 64% | 273 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.45% | 0.09% | 0.42% | 1.07% | Beats 8% | 682 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.53% | 11.55% | 13.75% | 17.60% | Beats 47% | 395 / 746 | | |
| Total Risk-Based Capital Ratio | 14.53% | 11.71% | 14.33% | 18.43% | Beats 51% | 369 / 746 | | |
| Equity / Assets | 8.38% | 8.90% | 10.51% | 13.06% | Beats 18% | 614 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.58% | 61.31% | 78.27% | 90.78% | 18th pctl | 611 / 746 | | |
| Loans / Assets | 50.64% | 53.60% | 66.97% | 76.08% | 21st pctl | 587 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |