Bank Comparison
Bonanza Valley State Bank vs First National Bank of Brooksville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| CET1 Ratio | 12.79% | — |
| Tier 1 Capital Ratio | 12.79% | — |
| Total Capital Ratio | 13.27% | — |
| Tier 1 Leverage Ratio | 9.78% | 11.39% |
| Equity / Assets | 9.25% | 10.95% |
Profitability
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 1.04% |
| Return on Equity (ROE) | 12.37% | 9.58% |
| Net Interest Margin (NIM) | 3.57% | 4.24% |
| Yield on Earning Assets | 6.05% | 5.15% |
| Cost of Funds | 2.46% | 0.99% |
Asset quality
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Texas Ratio | 1.94% | 3.05% |
| Non-Performing Loan Ratio | 0.06% | 0.22% |
| Non-Performing Asset Ratio | 0.05% | 0.12% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 0.45% | 1.08% |
Balance sheet
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Total Assets | $74,595K | $74,334K |
| Total Deposits | $59,636K | $65,823K |
| Total Loans | $61,531K | $40,926K |
| Total Equity | $6,902K | $8,140K |
| Net Income (quarter) | $214 | $195 |
Liquidity & funding
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 103.18% | 62.18% |
| Core Deposit Ratio | 90.32% | 98.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bonanza Valley State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Headquarters City | BROOTEN | BROOKSVILLE |
| Headquarters State | MN | KY |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 8830 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 6 | 16 |
| Established | Feb. 22, 1894, midnight | July 7, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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