# BENTON COUNTY STATE BANK
BLAIRSTOWN, IA · FDIC certificate 13774 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $50.8M | |
| Deposits | $38.4M | |
| Loans and leases | $31.8M | |
| Total equity | $7.4M | |
| Loans / deposits | 82.13% (p65 of band) | 73.59% |
| Liquid assets / assets | 33.63% (p52 of band) | |
| Uninsured deposits / deposits | 21.94% (p58 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.90% (p78 of band) | |
| FHLB advances / assets | 6.90% | |
| Tier 1 leverage | 15.22% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -8.88% (p43 of band) | -6.57% |
| AOCI / equity | -1.36% (p21 of band) | |
| ROA (annualized) | 0.99% (p39 of band) | 1.17% |
| Net interest margin | 3.69% (p37 of band) | 3.93% |
| Efficiency ratio | 65.31% (p49 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 82% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $88,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2012-12 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2013-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 2 | loans exceed deposits | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | wholesale funding >15%, capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | wholesale funding >15%, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 | wholesale funding >15% | assets shrinking |
| 2019-03 | 3 | deposits shrinking |  |
| 2019-06 | 2 |  | deposits shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling, reserve under noncurrent | loans exceed deposits |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 4 | noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2021-12 | 1 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2022-03 | 0 |  | assets shrinking |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | deposits shrinking, assets shrinking |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-09 [Architect used Prairie Style on Central Minnesota banks - St. Cloud Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNMXIwUXVocERqM2lYTmM5aTdnNjVUZmo3R3hEell0OWZMWnBWVWdmOVNxZG9ndE1keHpOY1owd1pMYUd1RldsbXlfRGxhc3BhR2hpQXoycXBRTWdOR3NwTk9JQ2xRVVFpNG5zb2xpWnZzeFlLWDd5WGZkMEs1OU9KMHZWSll3TDZBMTYwb0dXczNJdDNXRHN1VWFOUWJIZFQtS3VFRXNram9nZkYt?oc=5) · St. Cloud Times
- 2026-05-12 [Connie Lee Wardenburg Obituary May 10, 2026 - Teahen Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBVc3MyMlE0TW43d1Zod3FfNzh0SWlkMlZMZjVneGtFWGRaRm8tekVOX1FEWTloQTdFSTVjNFBxSUhaMWF2aEM0ZTlOTVN4Nm9rejEzdF9YYUZDOW10Vm1Ea2dQbXlYYk5CTU5kVA?oc=5) · Teahen Funeral Home
- 2025-03-27 [Emma Jean Martin Obituary Mar 27, 2025 - Phillips Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFBsTXFrMFg2OVBOb3hvNXRaeXA0SXMtcWhsbEY2ZTNRWXdKQUFHU0ZXRVlRdE5weHNldERBaWF2SVJyUXBkbW8zaHhrOFJyQ2tOZXRXLWNmdm5KTzViZTlPQVVvVHZMNTdkMC1J?oc=5) · Phillips Funeral Homes
- 2026-05-13 [John Pickart Obituary (2014) - Cedar Rapids, IA - Brosh Chapel - Cedar Rapids - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOb1BlbGV1WVdSVXRqanczbE10Z014b3Qwdm9YTzdKa2VyS0VzOVU3R3JxNG5IWnBQMGR3cTZPbVB2d0tOR0JuSmIwdVlHUVNsODRyYVFzWkV2LWhEVFRQTjJDVHJuZ2JrQlRMdFVpR1lqNTZ3a1hyc2dkWlpIRUhvU2x0Q3U5RmZ2MHpUNkNQWnMxenM?oc=5) · PennLive.com
- 2020-02-04 [Wayne Thomas Newton - Iowa City Press-Citizen](https://news.google.com/rss/articles/CBMiX0FVX3lxTE16VXBQaDVmV0Q0LUVkSWVZMjg1aFhuSDRRc0lSdnl5OWRpbk9ZanBtQjNvSGxOWktscThvLUdtSUpKSVRBWS01cC1idEl0X2drQ3JndHFTZTFLOUtEZk5N?oc=5) · Iowa City Press-Citizen
- 2022-03-25 [Weekly Record, March 10 - Tama-Toledo News Chronicle](https://news.google.com/rss/articles/CBMie0FVX3lxTE1XWFZhanlwTm5MakREcXgwNDRhejFrcmVrdUF5VUVYcFB0Q0MzYWduaDBpbnlvN2hRLVBwWWRwdnNnYUN4MDdXcU5veUtxcXQ3RWhldExnWTlnQ2tKYnVaNS1ib0wwMnI1UnBuODhyR1FCVWtyVzdQczBtaw?oc=5) · Tama-Toledo News Chronicle
- 2016-01-26 [Paul Hootman Obituary (2016) - Blairstown, IA - Cedar Valley Times - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxOYjU5Nl9kV25tQzdhOFNVOVh2d1JqNFhCQTkxQmhsNDY5TktUZF9meUttMHRJbHc1cGRvaFJtYjlGNG1KdzR5Sk5sYVdxbjJrM21rOTZjbV9Cd0VRR0hWYVAwVEg0NC03UFlpdEk5QllNd01RQl9FRThRTVZmek9XTWdJekhHamVVeFM0emFyNnM1c1FLRnFZZE5KblZlQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13774 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "13774", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide