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
Unfavorable gap of $1.6M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 424 / 746 | |
| Return on Equity | 10.36% | 6.74% | 10.51% | 13.63% | Beats 50% | 376 / 746 | |
| Net Interest Margin | 3.39% | 3.17% | 3.68% | 4.16% | Beats 34% | 491 / 746 | |
| Efficiency Ratio | 65.82% | 55.74% | 64.58% | 75.47% | Beats 47% | 400 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.42% | 1.07% | Beats 77% | 174 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 365 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.55% | 13.75% | 17.60% | Beats 33% | 502 / 746 | |
| Total Risk-Based Capital Ratio | 12.61% | 11.71% | 14.33% | 18.43% | Beats 33% | 499 / 746 | |
| Equity / Assets | 9.30% | 8.90% | 10.51% | 13.06% | Beats 31% | 515 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 107.14% | 61.31% | 78.27% | 90.78% | 95th pctl | 34 / 746 | |
| Loans / Assets | 85.25% | 53.60% | 66.97% | 76.08% | 96th pctl | 32 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |