Benton County State Bank
Benton County State Bank is an FDIC-insured commercial bank headquartered in Blairstown, IA, supervised by the FDIC, with $51.0M in total assets at Q3 2026, up 1.6% from Q3 2025, the 214th largest of 225 banks headquartered in Iowa. It was established in 1869 and holds FDIC certificate 13774. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.87% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13774
- Headquarters
- Blairstown, IA
- Established
- 1869
- Total assets, Q3 2026
- $51.0M
- Assets vs Q3 2025
- +1.6%
- Tier 1 leverage ratio, Q3 2026
- 15.87%
- Domestic offices
- 1 branch
- Routing number
- 073912060
- Safety and soundness
- Is Benton County State Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Benton County State Bank call report
- Holding company
- BLAIRSTOWN BANCORP, INC.
- Asset rank in state
- 214th of 225 in Iowa
Benton County State Bank, based in Blairstown, Iowa, reported $51 million in assets at September 30, 2026, up 1.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 1.6%).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 3.9%. Unrealized losses on its securities total $1.4 million, equal to 17% of Tier 1 capital, against 8% a year earlier.
As of September 30, 2026, Benton County State Bank reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Benton County State Bank is the 214th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 0.5% to $51.0M, loans rose 2.0% and deposits rose 1.6%. Its loan book on September 30, 2026 was led by farmland and other real estate loans, at 68.5% of total loans, followed by agricultural production loans at 11.0%. Its one office in the FDIC Summary of Deposits is in Blairstown, IA. By the capital ratios in its Q3 2026 call report, Benton County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 212 Locust St Ne, Blairstown, IA 52209
- County
- Benton
- Metro Area
- Cedar Rapids, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- 1869
- Domestic offices
- 1 branch
- Employees (FTE)
- 7
- Domestic deposits
- $39.0M
- Allowance for credit losses
- $231K
- Net charge-offs (YTD)
- $0
- Average total assets
- $50.8M
- Average total loans
- $31.5M
- Average interest-bearing deposits
- $31.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 29, 1934
- FDIC Cert
- 13774
- Fed RSSD
- 824242
- Parent Holding Company
- BLAIRSTOWN BANCORP, INC. (RSSD 1491708)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Benton County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Benton County State Bank's total assets ran between $48.8M (Q4 2024) and $53.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$51.0M total assets against $50.2M; $44.0M total liabilities against $42.8M.
$32.2M net loans and leases against $32.9M; $39.0M total deposits against $37.6M.
$14.0M securities against $13.3M; $2.4M cash and balances due against $1.9M.
$644K total interest income against $633K; $190K total interest expense against $187K.
$454K net interest income against $446K.
$18K total noninterest income against $23K; $307K total noninterest expense against $308K.
$0 provision for credit losses against $0.
$129K net income against $127K.
1.02% return on assets against 1.01%; 3.74% net interest margin against 3.70%.
15.87% tier 1 leverage ratio against 15.62%.
Inside the full Benton County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.93% (Q1 2025) to 1.08% (Q2 2025) and its net interest margin ran from 3.65% (Q1 2025) to 3.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.87% | 1.02% | 0.00% | 0.00% | 3.74% |
| Q2 2026 | 15.22% | 1.01% | 0.00% | 0.00% | 3.68% |
| Q1 2026 | 15.76% | 0.96% | 0.00% | 0.00% | 3.71% |
| Q4 2025 | 15.66% | 1.00% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 15.62% | 1.01% | 0.00% | 0.00% | 3.70% |
| Q2 2025 | 15.12% | 1.08% | 0.00% | 0.00% | 3.66% |
| Q1 2025 | 14.98% | 0.93% | 0.00% | 0.00% | 3.65% |
| Q4 2024 | 15.54% | 1.02% | 0.00% | 0.00% | 3.70% |
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 |
|---|---|---|---|
| Benton County State Bank (main office) | Blairstown , IA | 52209 | $38.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 245 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 Benton County State Bank
What are Benton County State Bank's total assets?
As of the Q3 2026 filing, Benton County State Bank reported total assets of $51.0 million in its FFIEC call report.
Where is Benton County State Bank headquartered?
It is headquartered in Blairstown, IA, United States.
When was Benton County State Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Benton County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Benton County State Bank?
Benton County State Bank's primary federal regulator is the FDIC.
How many branches does Benton County State 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 Benton County State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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