Bank Safety Analysis
Is Benton County State Bank Safe? Blairstown, Iowa
Based on its Q3 2026 call report, Benton County State Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Benton County State Bank safe?
On its Q3 2026 call report, Benton County State Bank's Community Bank Leverage Ratio is 15.87%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 15.87%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Benton County State Bank is an FDIC-insured commercial bank (FDIC Certificate #13774). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Benton County State Bank (FDIC Certificate #13774) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Benton County State Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
In Q3 2026, net interest margin edged up by 0.06 percentage points, from 3.68% to 3.74%, the largest move among the key lines here. On leverage ratio, Benton County State Bank ranks 22nd highest among the 225 banks headquartered in Iowa, at 15.87% (Q3 2026). The median for banks in the < $100M asset tier is 12.88% on leverage ratio. Benton County State Bank sits 3.00 points higher, at 15.87% (Q3 2026).
From Q4 2023 to Q3 2026, Benton County State Bank's Texas ratio ranged between 0.00% (Q3 2026) and 0.30% (Q3 2024). Between Q3 2025 and Q3 2026, Benton County State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 1.01% to 1.02%.
By total assets at Q3 2026, Benton County State Bank is the 214th largest of the 225 banks headquartered in Iowa. Against the 567 banks with under $100M in assets for Q3 2026, Benton County State Bank's community bank leverage ratio of 15.87% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 64.21% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Benton County State Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Benton County State Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Benton County State Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 83.09% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.30% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
How have Benton County State Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $51.0M | 15.87% | 0.00% | 0.00% | 64.21% |
| Jun 30, 2026 | $50.8M | 15.22% | 0.00% | 0.00% | 63.55% |
| Mar 31, 2026 | $53.2M | 15.76% | 0.00% | 0.00% | 65.17% |
| Dec 31, 2025 | $50.5M | 15.66% | 0.00% | 0.00% | 66.21% |
| Sep 30, 2025 | $50.2M | 15.62% | 0.00% | 0.00% | 64.68% |
| Jun 30, 2025 | $51.7M | 15.12% | 0.00% | 0.00% | 61.63% |
| Mar 31, 2025 | $51.4M | 14.98% | 0.00% | 0.00% | 64.97% |
| Dec 31, 2024 | $48.8M | 15.54% | 0.00% | 0.00% | 65.64% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Benton County State Bank FDIC insured?
Yes. Benton County State Bank is an FDIC-insured commercial bank (FDIC Certificate #13774). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Benton County State Bank well capitalized?
On its Q3 2026 call report, Benton County State Bank's Community Bank Leverage Ratio is 15.87%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Benton County State Bank's key safety ratios?
For Q3 2026, Benton County State Bank reports leverage 15.87%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Benton County State Bank fails?
For Q3 2026, Benton County State Bank reported $39.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Benton County State Bank profile.
How we score this
Benton County State Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Benton County State Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 13774) · FFIEC NIC profile (RSSD 824242)
Explore: Full Benton County State Bank profile · Other banks in IA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.