Bonanza Valley State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 4.5% in Q2 2026 to $60.0M, the biggest move on this page. Within Minnesota, Bonanza Valley State Bank is 117th of 161 on CET1 ratio, 12.15% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Bonanza Valley State Bank sits 7.41 points lower, at 12.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.15% |
| Tier 1 risk-based capital ratio | 12.15% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.3M |
| Tier 1 capital | $7.3M |
| Total risk-based capital | $7.6M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $60.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.30% |
| Tangible equity to tangible assets | 9.30% |
| Equity capital to average assets | 9.27% |
| Internal capital growth rate | -3.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.7M |
| Retained earnings | $537K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$341K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 12.84% | 9.15% | $55.6M |
| Q4 2023 | 12.59% | 12.59% | 13.16% | 9.03% | $54.6M |
| Q1 2024 | 12.90% | 12.90% | 13.50% | 9.29% | $53.6M |
| Q2 2024 | 12.79% | 12.79% | 13.40% | 9.45% | $53.7M |
| Q3 2024 | 12.87% | 12.87% | 13.38% | 9.71% | $53.6M |
| Q4 2024 | 13.13% | 13.13% | 13.64% | 9.82% | $53.7M |
| Q1 2025 | 13.33% | 13.33% | 13.84% | 10.16% | $54.2M |
| Q2 2025 | 12.81% | 12.81% | 13.31% | 9.85% | $54.8M |
| Q3 2025 | 12.78% | 12.78% | 13.28% | 10.10% | $55.9M |
| Q4 2025 | 12.66% | 12.66% | 13.14% | 9.86% | $58.0M |
| Q1 2026 | 12.79% | 12.79% | 13.27% | 9.78% | $57.5M |
| Q2 2026 | 12.15% | 12.15% | 12.61% | 9.73% | $60.0M |
Bonanza Valley State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonanza Valley State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bonanza Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10993) · FFIEC NIC profile (RSSD 107758)