BONANZA VALLEY STATE BANK

BROOTEN, MN | Micro | Est. Feb. 22, 1894, midnight | FDIC #10993 | RSSD #107758 | FDIC
Latest Report: 2025-12-31

BONANZA VALLEY STATE BANK is amn micro FDIC-insured commercial bank headquartered in BROOTEN, MN, established in Feb. 22, 1894, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $65M. Profitability stands at 1.19% ROA and 13.34% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 12.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.60%. FDIC Certificate #10993.

Assets

$80M

Deposits

$65M

Loans

$61M

Equity

$7M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 13.34%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.91%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.60%
NPA Ratio 0.05%
ACL / Loans 0.46%

Capital & Liquidity

CET1 Ratio 12.66%
Tier 1 Capital 12.66%
Total Capital Ratio 13.14%
Leverage Ratio 9.86%
Loan-to-Deposit 92.76%

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