Benton County State Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Benton County State Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $2.4M in Q3 2026, up 27.2% from $1.9M in Q3 2025. That is 4.7% of its total assets. Across the 12 quarters shown it ranged from $1.5M (Q4 2025) to $4.8M (Q1 2026).
Fed funds sold and reverse repos climbed 55.9% in Q3 2026, from $1.0M to $1.6M. It was the largest change from Q2 2026 among the key lines here. Benton County State Bank ranks 119th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 83.09% (Q3 2026). The median for banks in the < $100M asset tier is 68.95% on loan-to-deposit ratio. Benton County State Bank sits 14.14 points higher, at 83.09% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.4M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 3.11% |
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Borrowed funds
Largest change in this table: other borrowed money to assets, down 0.04 points to 6.86% in Q3 2026 after 6.90% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.86% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits changed the most here, up 1.34 points to 100.52% in Q3 2026 from 99.18% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.09% |
| Net loans and leases to deposits | 82.50% |
| Loans and leases to core deposits | 100.52% |
| Core deposits to total deposits | 82.65% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 85.42% | 86.35% | $0 | $4.8M |
| Q1 2024 | 84.87% | 85.96% | $0 | $4.8M |
| Q2 2024 | 88.03% | 88.40% | $0 | $3.8M |
| Q3 2024 | 91.52% | 87.95% | $0 | $5.0M |
| Q4 2024 | 95.60% | 87.55% | $277K | $5.0M |
| Q1 2025 | 82.00% | 83.65% | $0 | $3.0M |
| Q2 2025 | 85.91% | 83.71% | $0 | $3.5M |
| Q3 2025 | 88.20% | 82.01% | $275K | $3.5M |
| Q4 2025 | 91.25% | 83.37% | $372K | $3.5M |
| Q1 2026 | 80.89% | 84.21% | $0 | $4.2M |
| Q2 2026 | 82.73% | 83.42% | $0 | $3.5M |
| Q3 2026 | 83.09% | 82.65% | $0 | $3.5M |
Benton County State Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Benton County State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 13774) · FFIEC NIC profile (RSSD 824242)