Bonanza Valley State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.39 percentage points in Q2 2026, from 45.99% to 39.60%. 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). Against a median of 67.62% for banks in the < $100M asset tier, Bonanza Valley State Bank reported 107.14% on loan-to-deposit ratio in Q2 2026, 39.51 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.7M |
| Net loans and leases | $63.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.25% |
| Loan-to-deposit ratio | 107.14% |
| Net loans to equity capital | 9.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.42% |
| Multifamily (5+ residential) | 0.75% |
| Commercial and industrial | 5.99% |
| Consumer | 2.72% |
| Credit cards | 0.00% |
| Farm | 32.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.60% |
| Construction concentration (Tier 1 capital + allowance) | 33.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $1.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $58.9M | $64.5M | 8.46% | 4.73% | 2.17% |
| Q4 2023 | $57.1M | $64.1M | 8.82% | 4.98% | 2.58% |
| Q1 2024 | $56.0M | $63.7M | 9.16% | 5.06% | 2.56% |
| Q2 2024 | $56.1M | $61.5M | 8.85% | 4.98% | 2.51% |
| Q3 2024 | $57.1M | $58.4M | 8.66% | 4.83% | 2.40% |
| Q4 2024 | $56.7M | $56.0M | 8.47% | 4.90% | 2.60% |
| Q1 2025 | $56.7M | $59.5M | 8.19% | 6.02% | 2.52% |
| Q2 2025 | $59.2M | $52.2M | 7.85% | 5.90% | 2.48% |
| Q3 2025 | $60.5M | $57.1M | 7.53% | 5.36% | 2.50% |
| Q4 2025 | $60.6M | $65.3M | 8.04% | 5.48% | 2.45% |
| Q1 2026 | $61.5M | $59.6M | 7.73% | 6.68% | 2.68% |
| Q2 2026 | $63.7M | $59.5M | 7.42% | 5.99% | 2.72% |
Bonanza Valley State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonanza Valley State Bank, freeSource: Call Report Schedule RC-C, 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)