Bonanza Valley State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 90.72 percentage points lower than in Q1 2026, at 673.17%. Within Minnesota, Bonanza Valley State Bank is 118th of 221 on return on assets, 1.31% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Bonanza Valley State Bank sits 0.32 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.15% |
| Tier 1 risk-based capital ratio | 12.15% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.73% |
| Equity capital to assets | 9.30% |
| Tangible equity to tangible assets | 9.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.57% |
| Allowance for credit losses to loans | 0.43% |
| Reserve coverage of non-performing loans | 673.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 14.14% |
| Net interest margin | 3.83% |
| Efficiency ratio | 63.62% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.14% |
| Core deposits to total deposits | 89.77% |
| Brokered deposits to total deposits | 6.72% |
| Deposits to assets | 79.57% |
| Securities to assets | 9.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 12.84% | 9.15% | -0.19% |
| Q4 2023 | 12.59% | 12.59% | 13.16% | 9.03% | 0.22% |
| Q1 2024 | 12.90% | 12.90% | 13.50% | 9.29% | 0.25% |
| Q2 2024 | 12.79% | 12.79% | 13.40% | 9.45% | 0.36% |
| Q3 2024 | 12.87% | 12.87% | 13.38% | 9.71% | 0.60% |
| Q4 2024 | 13.13% | 13.13% | 13.64% | 9.82% | 0.83% |
| Q1 2025 | 13.33% | 13.33% | 13.84% | 10.16% | 1.00% |
| Q2 2025 | 12.81% | 12.81% | 13.31% | 9.85% | 0.49% |
| Q3 2025 | 12.78% | 12.78% | 13.28% | 10.10% | 1.29% |
| Q4 2025 | 12.66% | 12.66% | 13.14% | 9.86% | 1.22% |
| Q1 2026 | 12.79% | 12.79% | 13.27% | 9.78% | 1.14% |
| Q2 2026 | 12.15% | 12.15% | 12.61% | 9.73% | 1.31% |
Bonanza Valley State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonanza Valley State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)