Boone Bank & Trust CO.
Asset quality shifted last quarter — NPLs rose to 1.92% from 0.00% in the prior period. Boone Bank & Trust Co. is the primary bank subsidiary of its parent holding company, headquartered in Boone, IA. Boone Bank & Trust Co's Q1 2026 balance sheet shows $174M in assets funded primarily by $160M in customer deposits. Returns are in line with industry norms at 0.99% ROA and 12.46% ROE; net interest margin is 2.59%. Capital is comfortably above regulatory minimums — CET1 ratio of 13.06% sits well above the 7% well-capitalized threshold. Asset quality merits closer attention with NPLs at 1.92%. It operates 2 branches, primarily in Iowa.
Headquarters Profile
- Address
- 716 Eighth Street, BOONE, IA 50036
- County
- Boone
- Metro Area
- AMES, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1883
- Branches
- 2 domestic
- Employees (FTE)
- 17
- FDIC Cert
- 1546
- Fed RSSD
- 745347
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258)
Capital & Liquidity
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Boone Bank & Trust CO. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Boone Bank & Trust CO.
What are Boone Bank & Trust CO.'s total assets?
As of the Q1 2026 filing, Boone Bank & Trust CO. reported total assets of $173.9 million in its most recent 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 required of all FDIC-insured commercial banks.
When was Boone Bank & Trust CO. founded?
Boone Bank & Trust CO. was established in 1883, 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 #1546). 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 13.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Boone Bank & Trust CO. operate?
Boone Bank & Trust CO. operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Boone Bank & Trust CO.'s Texas Ratio?
Boone Bank & Trust CO.'s Texas Ratio is 10.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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