Benton County State Bank

212 Locust Northeast
Blairstown, IA 52209

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13774
Date Established 1869
Assets $0.04 billion
Loans $0.03 billion
Deposits $0.03 billion
Capital $0.01 billion

Benton County State Bank is an FDIC insured institution located in Blairstown, IA. It was founded in 1869 and has approximately $0.04 billion in assets.

For a more detailed analysis of Benton County State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Benton County State Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Benton County State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.19
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.13
Small Business Loans 1.24
Construction and Development Loans 0.00
Commercial Real Estate 1.25
Commercial and Industrial Loans 10.09
Farm Loans 18.61

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K 0.15% $500 - Learn MoreShow Less
6 Mo CD 10K 0.35% $500 - Learn MoreShow Less
12 Mo CD 10K 0.45% $500 - Learn MoreShow Less
18 Mo CD 10K 0.50% $500 - Learn MoreShow Less
24 Mo CD 10K 0.65% $500 - Learn MoreShow Less
Special: 30 Mo CD 1.25% $500 - Learn MoreShow Less
30 Mo CD 10K 1.25% $500 - Learn MoreShow Less
36 Mo CD 10K 1.35% $500 - Learn MoreShow Less
48 Mo CD 10K 1.65% $500 - Learn MoreShow Less
Special: 60 Mo CD 2.00% $500 - Learn MoreShow Less
60 Mo CD 10K 2.00% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.25% $25 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K 1.35% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K 0.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.20% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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Branches

Benton County State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Benton County State Bank Locations

Financial Details

Benton County State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Benton County State Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Benton County State Bank U.S. Bank Average
0% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Benton County State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,015,000 in equity and $247,000 in loans loss reserves. That gives it a Texas Ratio of 0%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Benton County State Bank U.S. Bank Average
8.82% 9.45%

Benton County State Bank has a Return on Equity of 8.82% versus the BestCashCow average of 9.45%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Benton County State Bank U.S. Bank Average
14.3% 11.28%

Benton County State Bank has a Capitalization of 14.3% versus the BestCashCow average of 11.28%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Benton County State Bank Balance Sheet Analysis

As of June 30, 2016, Benton County State Bank had assets of $42,066,000, loans of $31,843,000, and deposits of $29,023,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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