| Metric | Boone Bank & Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.9M | $143.0M | $78.4M | $13.2M | $719K | 0.88% | 2.60% | 1.24% |
| Q1 2026 | $173.9M | $160.2M | $75.4M | $12.8M | $402K | 0.96% | 2.51% | 0.84% |
| Q4 2025 | $160.4M | $141.7M | $75.9M | $13.1M | $1.1M | 0.65% | 2.36% | 0.00% |
| Q3 2025 | $176.7M | $163.3M | $75.0M | $12.6M | $779K | 0.62% | 2.30% | 0.00% |
| Q2 2025 | $157.8M | $140.1M | $73.5M | $11.9M | $492K | 0.60% | 2.35% | 0.00% |
| Q1 2025 | $175.5M | $163.5M | $72.7M | $11.2M | $220K | 0.53% | 2.21% | 0.00% |
| Q4 2024 | $156.7M | $145.4M | $71.9M | $10.3M | $617K | 0.38% | 2.01% | 0.00% |
| Q3 2024 | $177.8M | $165.4M | $70.8M | $11.5M | $375K | 0.30% | 1.93% | 0.00% |
Loan mix (Q2 2026): real estate $56.1M · commercial $11.7M · consumer $81K · securities $72.2M
| Ratio | Boone Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Boone Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Boone Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Boone Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Boone Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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