Boonville Federal Savings Bank
Also written as BFSB
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Data as of · sourced from FFIEC call reports. How we update
Boonville Federal Savings Bank is an FDIC-insured savings bank headquartered in Boonville, IN, established in 1917 (FDIC certificate 30128), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $71.5M, up 1.7% from Q2 2025, the 83rd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 15.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30128
- Headquarters
- Boonville, IN
- Established
- 1917
- Total assets, Q2 2026
- $71.5M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 15.49%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 281371626
- Latest call report
- Q2 2026, FFIEC 051 · Boonville Federal Savings Bank Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 83rd of 87 in Indiana
Problem loans are rising at Boonville Federal Savings Bank. The Boonville, Indiana bank had $72 million in assets at June 30, 2026, up 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.38% a year earlier. It pays an average of 3.91% on its deposits and borrowings, 2.5 times the median of 1.53% for the 583 banks with less than $100 million in assets. It also funds 8.85% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
Its $7.6 million commercial and industrial book is improving, with 3.18% past due or on nonaccrual, down from 7.87% a year earlier. Net income for the quarter rose 28% from a year earlier, to $97,000. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.3% and deposits rose 3.3%.
As of June 30, 2026, Boonville Federal Savings Bank reported a CET1 capital ratio of 15.49%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 6.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Boonville Federal Savings Bank is the 83rd largest of the 87 banks headquartered in Indiana. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $71.5M, loans rose 5.2% and deposits rose 3.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 62.1% of total loans, ahead of commercial and industrial loans at 14.6%. Its one office in the FDIC Summary of Deposits is in Boonville, IN. By the capital ratios in its Q2 2026 call report, Boonville Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 123 N 3rd St, Boonville, IN 47601
- County
- Warrick
- Metro Area
- Evansville, IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Former names
- Boonville FSB (1986-2012)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $53.1M
- Allowance for credit losses
- $538K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $71.3M
- Average total loans
- $51.4M
- Average interest-bearing deposits
- $43.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30128
- Fed RSSD
- 991078
- Website
- www.boonville.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Boonville Federal Savings Bank's total assets moved between a low of $67.8M (Q4 2023) and a high of $72.2M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$71.5M total assets against $70.3M; $65.2M total liabilities against $64.4M.
$51.7M net loans and leases against $47.8M; $53.1M total deposits against $51.4M.
$9.5M securities against $11.1M; $7.0M cash and balances due against $8.2M.
$1.1M total interest income against $1.0M; $471K total interest expense against $474K.
$594K net interest income against $560K.
$27K total noninterest income against $19K; $483K total noninterest expense against $454K.
$24K provision for credit losses against $44K.
$97K net income against $76K.
0.54% return on assets against 0.44%; 3.48% net interest margin against 3.35%.
15.49% CET1 capital ratio against 15.56%; 8.85% tier 1 leverage ratio against 8.58%.
Inside the full Boonville Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Boonville Federal Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.22% (Q3 2024) to 0.54% (Q2 2026) and its net interest margin ran from 2.98% (Q1 2025) to 3.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.49% | 0.54% | 0.89% | 6.77% | 3.48% |
| Q1 2026 | 15.74% | 0.39% | 0.47% | 3.47% | 3.40% |
| Q4 2025 | 15.49% | 0.51% | 1.16% | 8.72% | 3.47% |
| Q3 2025 | 15.20% | 0.36% | 0.97% | 7.44% | 3.34% |
| Q2 2025 | 15.56% | 0.44% | 0.38% | 2.87% | 3.35% |
| Q1 2025 | 15.46% | 0.30% | 1.22% | 9.33% | 2.98% |
| Q4 2024 | 15.49% | 0.35% | 0.52% | 3.98% | 3.05% |
| Q3 2024 | 15.05% | 0.22% | 0.93% | 7.14% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Boonville Federal Savings Bank (main office) | Boonville , IN | 47601 | $53.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 114 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $96K approved, $96K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Boonville Federal Savings Bank
What are Boonville Federal Savings Bank's total assets?
As of the Q2 2026 filing, Boonville Federal Savings Bank reported total assets of $71.5 million in its FFIEC call report.
Where is Boonville Federal Savings Bank headquartered?
It is headquartered in Boonville, IN, United States.
When was Boonville Federal Savings Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Boonville Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30128). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Boonville Federal Savings Bank?
Boonville Federal Savings Bank's primary federal regulator is the FDIC.
What is Boonville Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Boonville Federal Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Boonville Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 6.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Boonville Federal Savings Bank previously called?
The charter now named Boonville Federal Savings Bank has also operated as Boonville FSB (1986-2012), per FDIC structure-change records.
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