Bank Comparison
Mercer Savings Bank vs Boone Bank & Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| CET1 Ratio | 18.76% | 13.06% |
| Tier 1 Capital Ratio | 18.76% | 13.06% |
| Total Capital Ratio | 19.48% | 13.92% |
| Tier 1 Leverage Ratio | 12.96% | 9.74% |
| Equity / Assets | 12.99% | 7.37% |
Profitability
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 0.79% | 0.99% |
| Return on Equity (ROE) | 6.19% | 12.46% |
| Net Interest Margin (NIM) | 4.50% | 2.59% |
| Yield on Earning Assets | 5.87% | 4.28% |
| Cost of Funds | 1.51% | 1.74% |
Asset quality
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| Texas Ratio | 1.15% | 10.61% |
| Non-Performing Loan Ratio | 0.12% | 1.92% |
| Non-Performing Asset Ratio | 0.10% | 0.84% |
| Net Charge-Off Ratio | 0.17% | 0.00% |
| ACL / Loans | 0.58% | 1.26% |
Balance sheet
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| Total Assets | $174,186K | $173,919K |
| Total Deposits | $148,741K | $160,187K |
| Total Loans | $149,291K | $76,337K |
| Total Equity | $22,626K | $12,825K |
| Net Income (quarter) | $347 | $403 |
Liquidity & funding
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.37% | 47.65% |
| Core Deposit Ratio | 98.40% | 94.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mercer Savings Bank | Boone Bank & Trust CO. |
|---|---|---|
| Headquarters City | CELINA | BOONE |
| Headquarters State | OH | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 34 | 17 |
| Established | Jan. 1, 1888, midnight | Jan. 1, 1883, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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