Benton County State Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Benton County State Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $32.4M in Q3 2026, down 2.2% from $33.1M in Q3 2025. That is 63.6% of its total assets. Across the 12 quarters shown it ranged from $31.1M (Q4 2023) to $34.5M (Q4 2025).
Loans to total assets climbed 0.94 percentage points in Q3 2026, from 62.65% to 63.60%. It was the largest change from Q2 2026 among the key lines here. Within Iowa, Benton County State Bank is 119th of 225 on loan-to-deposit ratio, 83.09% as of Q3 2026. Benton County State Bank reported 83.09% on loan-to-deposit ratio for Q3 2026, 14.14 points above the 68.95% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $32.4M |
| Net loans and leases | $32.2M |
| Loans held for sale | $0 |
| Loans to total assets | 63.60% |
| Loan-to-deposit ratio | 83.09% |
| Net loans to equity capital | 4.57× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Farm changed the most here, up 0.79 points to 68.48% in Q3 2026 from 67.69% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.54% |
| Consumer | 0.86% |
| Credit cards | 0.00% |
| Farm | 68.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Largest change in this table: yield on loans, up 0.05 points to 6.14% in Q3 2026 after 6.09% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $483K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $31.1M | $36.4M | 7.63% | 3.03% | 0.19% |
| Q1 2024 | $32.1M | $37.8M | 7.38% | 2.15% | 0.25% |
| Q2 2024 | $32.9M | $37.4M | 7.32% | 2.89% | 0.28% |
| Q3 2024 | $33.7M | $36.8M | 6.82% | 2.39% | 0.44% |
| Q4 2024 | $33.8M | $35.4M | 8.60% | 2.96% | 0.84% |
| Q1 2025 | $32.8M | $40.0M | 8.76% | 1.51% | 0.99% |
| Q2 2025 | $34.1M | $39.7M | 8.34% | 3.55% | 0.97% |
| Q3 2025 | $33.1M | $37.6M | 8.46% | 3.17% | 0.87% |
| Q4 2025 | $34.5M | $37.8M | 8.03% | 5.74% | 1.36% |
| Q1 2026 | $32.4M | $40.1M | 8.07% | 4.25% | 1.29% |
| Q2 2026 | $31.8M | $38.4M | 6.24% | 5.50% | 0.89% |
| Q3 2026 | $32.4M | $39.0M | 6.01% | 5.54% | 0.86% |
Benton County State Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)