Bonanza Valley State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.26 percentage points to 3.83%. Bonanza Valley State Bank ranks 133rd of 221 Minnesota banks on net interest margin, in the lower half at 3.83% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; Bonanza Valley State Bank reported 3.83% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 6.63% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.97% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $440K |
| Interest expense on deposits | $362K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.87% | 2.71% | 2.43% | 5.45% | 1.88% |
| Q4 2023 | 5.19% | 2.72% | 2.68% | 5.71% | 2.55% |
| Q1 2024 | 5.27% | 2.62% | 2.88% | 5.79% | 2.64% |
| Q2 2024 | 5.43% | 2.61% | 3.07% | 5.95% | 2.74% |
| Q3 2024 | 5.60% | 2.71% | 3.22% | 6.07% | 3.14% |
| Q4 2024 | 5.62% | 3.47% | 3.21% | 6.08% | 2.92% |
| Q1 2025 | 5.78% | 2.86% | 3.35% | 6.04% | 2.98% |
| Q2 2025 | 5.95% | 3.41% | 3.09% | 6.31% | 3.00% |
| Q3 2025 | 6.10% | 3.15% | 3.60% | 6.46% | 3.18% |
| Q4 2025 | 6.10% | 2.98% | 3.54% | 6.44% | 3.25% |
| Q1 2026 | 6.05% | 2.90% | 3.57% | 6.31% | 3.30% |
| Q2 2026 | 6.32% | 2.97% | 3.83% | 6.63% | 3.34% |
Bonanza Valley State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonanza Valley State Bank, freeSource: Call Report Schedules RI and RC-K, 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)