Benton County State Bank: how it compares with its peers
Against 30 IA banks with half to twice its assets, Benton County State Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $7.7M peer median). Its weakest relative measure is return on assets (0.99% vs. 1.11%).
| Measure | Benton County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.11% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 3.78% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.31% | 64.14% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.7M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.13% | 62.60% | Context |
What it means for lending operations
Its efficiency ratio of 65.31% is above the 64.14% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Palo Savings Bank Palo, IA · $49M
- The Exchange State Bank Springville, IA · $53M
- Ashton State Bank Ashton, IA · $55M
- Montezuma State Bank Montezuma, IA · $55M
- ITS Bank Johnston, IA · $45M
- Defiance State Bank Defiance, IA · $43M
Questions about Benton County State Bank
How big is Benton County State Bank?
Benton County State Bank, established in 1869, is headquartered in Blairstown, IA. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Benton County State Bank's return on assets?
0.99% annualized in Q2 2026, against a 1.11% median for 30 IA banks with half to twice its assets, ahead of 33% of them.
What is Benton County State Bank's efficiency ratio?
65.31% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.14%, and lower is better.
Is Benton County State Bank growing its loans?
Net loans shrank 6.7% over the year to Q2 2026, while deposits shrank 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.