BENTON COUNTY STATE BANK

BLAIRSTOWN, IA | Micro | Est. Jan. 1, 1869, midnight | FDIC #13774 | RSSD #824242 | FDIC
Latest Report: 2025-12-31

BENTON COUNTY STATE BANK is amn micro FDIC-insured commercial bank headquartered in BLAIRSTOWN, IA, established in Jan. 1, 1869, midnight. As of 2025-12-31, the bank reported total assets of $51M and total deposits of $38M. Profitability stands at 1.00% ROA and 6.76% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 14.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13774.

Assets

$51M

Deposits

$38M

Loans

$34M

Equity

$7M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 6.76%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.46%
Cost of Funds 2.26%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 14.79%
Tier 1 Capital 14.79%
Total Capital Ratio 15.52%
Leverage Ratio 15.66%
Loan-to-Deposit 91.25%

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