Boone Bank & Trust Co.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Boone Bank & Trust Co.. Based in Boone, Iowa, it had $157 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.45% of loans from 0.00% a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 13.6% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Delinquency has appeared in its $12 million commercial and industrial book: 4.77% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 6.7% and deposits rose 2.0%. Profitability lags: it earns about $0.77 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Boone Bank & Trust Co. reported a CET1 capital ratio of 13.53%, a return on assets of 0.77%, a nonperforming-loan ratio of 2.45% and a Texas ratio of 13.63%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 716 8th St, Boone, IA 50036
- County
- Boone
- Metro Area
- Ames, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 16, 1992
- Offices
- 2 domestic
- Employees (FTE)
- 17
- Domestic deposits
- $143.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $163.6M
- Average total loans
- $77.7M
- Average interest-bearing deposits
- $125.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 16, 1992
- FDIC Cert
- 33552
- Fed RSSD
- 745347
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- www.boonebankiowa.com →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Boone Bank & Trust Co. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Boone Bank & Trust Co., freeBoone Bank & Trust Co. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.53% | 0.77% | 2.45% | 13.63% | 2.67% |
| Q1 2026 | 13.06% | 0.99% | 1.92% | 10.61% | 2.59% |
| Q4 2025 | 12.82% | 0.71% | 0.00% | 0.00% | 2.50% |
| Q3 2025 | 12.65% | 0.70% | 0.00% | 0.00% | 2.37% |
| Q2 2025 | 12.67% | 0.65% | 0.00% | 0.00% | 2.41% |
| Q1 2025 | 12.21% | 0.52% | 0.00% | 0.02% | 2.22% |
| Q4 2024 | 12.63% | 0.57% | 0.00% | 0.02% | 2.15% |
| Q3 2024 | 12.18% | 0.29% | 0.00% | 0.00% | 2.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Boone Bank & Trust Co. (main office) | Boone , IA | 50036 | $140.4M |
| Parking Lot Branch | Boone , IA | 50036 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 16, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Boone Bank & Trust Co., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 169 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 17 applications, 10 loans originated, $760K originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $620K approved, $620K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Boone Bank & Trust Co.
What are Boone Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, Boone Bank & Trust Co. reported total assets of $156.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Boone Bank & Trust Co. headquartered?
Boone Bank & Trust Co. is headquartered in Boone, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Boone Bank & Trust Co. founded?
Boone Bank & Trust Co. was established in 1992, per the FDIC institution directory.
Is Boone Bank & Trust Co. FDIC-insured?
Yes. Boone Bank & Trust Co. is an FDIC-insured commercial bank (FDIC Certificate #33552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Boone Bank & Trust Co.?
Boone Bank & Trust Co.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Boone Bank & Trust Co.'s CET1 capital ratio?
Boone Bank & Trust Co. reported a Common Equity Tier 1 (CET1) capital ratio of 13.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Boone Bank & Trust Co. operate?
Boone Bank & Trust Co. operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Boone Bank & Trust Co.'s Texas Ratio?
Boone Bank & Trust Co.'s Texas Ratio is 13.63% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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