The Benton State Bank

Overview / Commentary
42 West Main Street
Benton, WI 53803

The Benton State Bank is headquartered in Benton and is the 169th largest bank in the state of Wisconsin. It is also the 4,351st largest bank in the nation. It was established in 1894 and as of September of 2021, it had grown to 22 employees at 3 locations. The Benton State Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Benton State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #14316
Year Established1894
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD17.36%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$74.5MM$70.5MM
LoansQ3 2021vs Q3 2020$57.2MM$56.6MM
DepositsQ3 2021vs Q3 2020$65.0MM$59.4MM
Equity CapitalQ3 2021vs Q3 2020$7.0MM$6.5MM
Loan Loss AllowanceQ3 2021vs Q3 2020$899.00K$812.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$355.00K$528.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$208.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Benton State Bank Money Market Rates

0.25%*$25k*-Business Money Market
OTHER TIERS: 0.20% Up to $25k
0.10%*$50k*-Money Market
OTHER TIERS: 0.02% Up to $25k | 0.05% $25k - $50k

The Benton State Bank Checking Account Rates

0.20%--Business Super NOW Checking Account
0.15%--Business NOW Checking Account
0.05%--Super NOW Checking Account
0.02%--NOW Checking Account

The Benton State Bank CD Rates

0.50%--72 Month CD
0.50%--Business 72 Month CD
0.40%--60 Month CD
0.40%--Business 60 Month CD
0.35%--48 Month CD
0.35%--Business 48 Month CD
0.30%--36 Month CD
0.30%--Business 36 Month CD
0.25%--30 Month CD
0.25%--Business 30 Month CD
0.20%--24 Month CD
0.20%--Business 24 Month CD
0.15%--18 Month CD
0.15%--Business 18 Month CD
0.10%--12 Month CD
0.10%--Business 12 Month CD
0.04%--182 Day CD
0.04%--Business 182 Day CD
0.03%--91 Day CD
0.03%--Business 91 Day CD

The Benton State Bank Locations
Shullsburg Branch195 Highway 11Shullsburg, WI 53586
Potosi Branch338 Highway 61 SouthPotosi, WI 53820
The Benton State Bank42 West Main StreetBenton, WI 53803

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