Bonanza Valley State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bonanza Valley State Bank is an FDIC-insured commercial bank headquartered in Brooten, MN, established in 1894 (FDIC certificate 10993), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $74.8M, up 5.6% from Q2 2025, the 191st largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 12.15% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10993
- Headquarters
- Brooten, MN
- Established
- 1894
- Total assets, Q2 2026
- $74.8M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 12.15%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091904924
- Latest call report
- Q2 2026, FFIEC 051 · Bonanza Valley State Bank call report
- Asset rank in state
- 191st of 221 in Minnesota
Bonanza Valley State Bank pays more for its money than most banks of its size. Its balance sheet stood at $75 million at June 30, 2026, up 5.6% from a year earlier; it is based in Brooten, Minnesota. It pays an average of 2.97% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also holds common equity equal to 12.15% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 22.08%).
Earnings jumped: net income for the quarter was $245,000, 182% above the same quarter a year earlier. Over the same year, loans grew 7.6% and deposits grew 13.9%.
As of June 30, 2026, Bonanza Valley State Bank reported a CET1 capital ratio of 12.15%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.57%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Bonanza Valley State Bank is the 191st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $74.8M, loans rose 3.6% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.4% of total loans, ahead of farmland and other real estate loans at 32.1%. The FDIC Summary of Deposits lists a single office for it, in Brooten, MN. On its Q2 2026 call report, Bonanza Valley State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 147 Central Ave S, Brooten, MN 56316
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 22, 1894
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $59.5M
- Allowance for credit losses
- $276K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $75.0M
- Average total loans
- $62.6M
- Average interest-bearing deposits
- $59.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10993
- Fed RSSD
- 107758
- Website
- www.bvsb.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bonanza Valley State Bank's total assets ranged from $70.7M (Q4 2024) to $80.4M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$74.8M total assets against $70.8M; $67.8M total liabilities against $64.4M.
$63.5M net loans and leases against $59.0M; $59.5M total deposits against $52.2M.
$6.9M securities against $6.9M; $771K cash and balances due against $1.4M.
$1.1M total interest income against $984K; $440K total interest expense against $481K.
$661K net interest income against $503K.
$37K total noninterest income against $29K; $453K total noninterest expense against $445K.
$0 provision for credit losses against $0.
$245K net income against $87K.
1.31% return on assets against 0.49%; 3.83% net interest margin against 3.09%.
12.15% CET1 capital ratio against 12.81%; 9.73% tier 1 leverage ratio against 9.85%.
Inside the full Bonanza Valley State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bonanza Valley State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q2 2025) to 1.31% (Q2 2026) and its net interest margin ran from 3.09% (Q2 2025) to 3.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.15% | 1.31% | 0.06% | 0.57% | 3.83% |
| Q1 2026 | 12.79% | 1.14% | 0.23% | 1.94% | 3.57% |
| Q4 2025 | 12.66% | 1.22% | 0.07% | 0.60% | 3.54% |
| Q3 2025 | 12.78% | 1.29% | 0.13% | 1.15% | 3.60% |
| Q2 2025 | 12.81% | 0.49% | 0.01% | 0.09% | 3.09% |
| Q1 2025 | 13.33% | 1.00% | 0.01% | 0.09% | 3.35% |
| Q4 2024 | 13.13% | 0.83% | 0.01% | 0.10% | 3.21% |
| Q3 2024 | 12.87% | 0.60% | 0.00% | 0.03% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bonanza Valley State Bank (main office) | Brooten , MN | 56316 | $59.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 237 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $119K approved, $119K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bonanza Valley State Bank
What are Bonanza Valley State Bank's total assets?
As of the Q2 2026 filing, Bonanza Valley State Bank reported total assets of $74.8 million in its FFIEC call report.
Where is Bonanza Valley State Bank headquartered?
It is headquartered in Brooten, MN, United States.
When was Bonanza Valley State Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Bonanza Valley State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bonanza Valley State Bank?
Bonanza Valley State Bank's primary federal regulator is the FDIC.
What is Bonanza Valley State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.15% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bonanza Valley State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bonanza Valley State Bank's Texas Ratio?
Its Texas Ratio is 0.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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