Bonanza Valley State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 74.0% in Q2 2026, from $3.0M to $771K. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bonanza Valley State Bank ranks 21st highest among the 221 banks headquartered in Minnesota, at 107.14% (Q2 2026). Bonanza Valley State Bank's loan-to-deposit ratio of 107.14% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 39.21 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $771K |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.14% |
| Net loans and leases to deposits | 106.67% |
| Loans and leases to core deposits | 119.35% |
| Core deposits to total deposits | 89.77% |
| Brokered deposits to total deposits | 6.72% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.43% | 85.74% | $0 | $4.9M |
| Q4 2023 | 89.15% | 85.63% | $0 | $4.6M |
| Q1 2024 | 87.93% | 90.23% | $0 | $4.6M |
| Q2 2024 | 91.30% | 89.85% | $0 | $4.5M |
| Q3 2024 | 97.74% | 89.30% | $0 | $6.9M |
| Q4 2024 | 101.37% | 92.54% | $0 | $8.0M |
| Q1 2025 | 95.33% | 92.29% | $0 | $7.9M |
| Q2 2025 | 113.44% | 97.10% | $0 | $12.0M |
| Q3 2025 | 105.99% | 86.80% | $0 | $8.4M |
| Q4 2025 | 92.76% | 88.03% | $0 | $7.9M |
| Q1 2026 | 103.18% | 90.32% | $0 | $7.8M |
| Q2 2026 | 107.14% | 89.77% | $0 | $8.1M |
Bonanza Valley State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonanza Valley State Bank, freeSource: Call Report Schedules RC and RC-M, 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)