Bonanza Valley State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bonanza Valley State Bank of Brooten, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 3.14% | -1.83% | 63rd above |
| ROAE | 14.14% | 10.41% | +3.73% | 78th top |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 47th below |
| Efficiency Ratio | 63.62% | 76.33% | -12.71% | 64th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.31% | 1.40% | -0.09% | 54th above |
| Yield on Earning Assets | 6.32% | 5.35% | +0.97% | 85th top |
| Cost of Funds | 2.97% | 1.70% | +1.27% | 8th bottom |
| Net Interest Spread | 3.70% | 3.31% | +0.39% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.34% | -1.28% | 61st above |
| NPA / Total Assets | 0.05% | 0.71% | -0.66% | 56th above |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 79th top |
| ACL / Total Loans | 0.43% | 1.49% | -1.06% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 673.17% | 864.73% | -191.56% | 83rd top |
| Texas Ratio | 0.57% | 8.26% | -7.69% | 60th above |
| Provision / NCO | 0.00% | 315.97% | -315.97% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.15% | 62.08% | -49.93% | 10th bottom |
| Tier 1 Ratio | 12.15% | 62.08% | -49.93% | 10th bottom |
| Total Capital Ratio | 12.61% | 63.05% | -50.44% | 7th bottom |
| Leverage Ratio | 9.73% | 17.62% | -7.89% | 16th bottom |
| Equity / Assets | 9.30% | 16.44% | -7.14% | 20th bottom |
| TCE / Tangible Assets | 9.30% | 16.19% | -6.89% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.14% | 72.76% | +34.38% | 6th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.77% | 88.21% | +1.56% | 40th below |
| Wholesale Funding Ratio | 10.80% | 5.24% | +5.56% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.56% | 4.30% | +1.26% | 66th above |
| Loan Growth (Y/Y) | 7.59% | 6.72% | +0.87% | 72nd above |
| Deposit Growth (Y/Y) | 13.92% | 3.75% | +10.17% | 92nd top |
See Bonanza Valley State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bonanza Valley State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bonanza Valley State Bank profile, how to read a UBPR, or how this data updates.