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Bonanza Valley State Bank

Brooten, MN · Cert 10993

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bonanza Valley State Bank

Brooten, MN · Cert 10993

State charter, non-member · FDIC · 1 branch

Q2 2026

$74.8MAssets
$63.7MLoans
$59.5MDeposits
$7.0MEquity
Loan mix
90%RE $49.4M7%C&I $4.1M3%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $59.2M0%Noninterest $0.2MQ3 2024Q2 2026

Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.8% share · #23 of 32 inst. · $0.1B of $7.9B

Executive Summary

  • Earnings: ROA of 0.94%, up 36 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.06% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.73%, down 12 bps from a year ago.
  • Funding: loans stand at 107.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.94%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+47 bps YoY

Efficiency Ratio (YTD, annualized)

65.82%-1,071 bps YoY

Tier 1 Leverage Ratio

9.73%-12 bps YoY

NIM

4.97%Q2 ’245.39%Q2 ’255.72%Q2 ’26+7%+16%

Non-interest income vs. expense

2.59%Q2 ’242.42%Q2 ’252.36%Q2 ’26-10%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.40%0.77%0.58%0.72%0.77%0.87%0.94%+36 bps
Return on Equity3.58%4.52%8.54%6.40%7.88%8.57%9.72%10.39%+400 bps
Net Interest Margin2.83%2.85%3.01%2.91%3.07%2.99%3.25%3.39%+47 bps
Efficiency Ratio90.13%85.87%70.18%76.53%72.66%70.50%66.82%65.82%-1,071 bps
Non-Interest Burden2.54%2.42%2.01%2.17%2.14%2.02%2.11%2.17%-1 bps
Growth
Asset Growth (YoY)-4.57%-6.15%-0.89%-2.40%0.43%13.79%0.43%5.56%+796 bps
Loan Growth (YoY)-3.09%-0.64%1.24%5.57%5.90%6.79%8.45%7.59%+202 bps
Deposit Growth (YoY)-9.34%-12.62%-6.62%-15.03%-2.34%16.70%0.19%13.92%+2,895 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.01%0.13%0.07%0.23%0.06%+5 bps
Net Charge-Offs / Loans-0.04%-0.04%-0.01%-0.01%-0.01%-0.01%0.02%0.01%+2 bps
Allowance / Loans0.48%0.48%0.49%0.47%0.46%0.46%0.45%0.43%-3 bps
Allowance Coverage of NPLs136.5x39.1x46.0x46.2x3.5x6.5x2.0x6.7x-39.4x
Capital
Tier 1 Leverage Ratio9.71%9.82%10.16%9.85%10.10%9.86%9.78%9.73%-12 bps
Total Risk-Based Capital13.38%13.64%13.84%13.31%13.28%13.14%13.27%12.61%-70 bps
Equity / Assets8.98%9.23%8.89%9.06%9.21%8.63%9.25%9.30%+25 bps
Liquidity & Funding
Loans / Deposits97.74%101.37%95.33%113.44%105.99%92.76%103.18%107.14%-630 bps
Liquid Assets / Assets3.05%0.10%3.40%0.07%0.20%5.00%0.97%0.05%-2 bps
CRE / Total Capitaln/an/an/an/a112.04%117.69%112.45%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bonanza Valley State Bank

Brooten, MN · Cert 10993 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$74.8MAssets
$63.7MLoans
$59.5MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets operating in a single state (rank 174 of 743).
  • Widest gap: equity / assets trails 69% of banks under $1B in assets operating in a single state (rank 515 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.96%

Rank 424 of 746

Net Interest Margin

3.39%

Rank 491 of 746

Efficiency Ratio

65.82%

Rank 400 of 746

Equity / Assets

9.30%

Rank 515 of 746

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state
Bank 65.82%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.96%0.72%1.06%1.45%Beats 43%424 / 746
Return on Equity10.36%6.74%10.51%13.63%Beats 50%376 / 746
Net Interest Margin3.39%3.17%3.68%4.16%Beats 34%491 / 746
Efficiency Ratio65.82%55.74%64.58%75.47%Beats 47%400 / 746
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.42%1.07%Beats 77%174 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 51%365 / 743
Capital
Tier 1 Capital Ratio12.15%11.55%13.75%17.60%Beats 33%502 / 746
Total Risk-Based Capital Ratio12.61%11.71%14.33%18.43%Beats 33%499 / 746
Equity / Assets9.30%8.90%10.51%13.06%Beats 31%515 / 746
Liquidity & Funding
Loans / Deposits107.14%61.31%78.27%90.78%95th pctl34 / 746
Loans / Assets85.25%53.60%66.97%76.08%96th pctl32 / 746
Brokered Deposits / Depositsn/aNot reported for this institution