BlastPoint's Banking Scorecard
Bonanza Valley State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 10993
Designations: ✓ Community bank
Brooten, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Bonanza Valley State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.06% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.4M
+13.8% YoY
+11.1% QoQ
|
-$137.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$60.3M
+6.8% YoY
+0.2% QoQ
|
-$78.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$65.3M
+16.7% YoY
+14.5% QoQ
|
-$118.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.98%
+94.6% YoY
+7.0% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.31%
+9.0% YoY
+0.9% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
70.50%
-17.9% YoY
-3.0% QoQ
|
+2.78% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.07%
+475.1% YoY
-46.3% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
92.34%
-8.5% YoY
-12.5% QoQ
|
+17.81% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
0.33%
-23.8% YoY
-68.9% QoQ
|
-22.06% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+439.9% YoY
-51.6% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.66%
-3.6% YoY
-1.0% QoQ
|
+3.81% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.27%
+49.3% YoY
+11.3% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.33%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.34% · Tier avg: 74.53%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 8.85%
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.50% · Tier avg: 67.73%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
25
25th pctile
Total Loans
Current: $60.3M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $80.4M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $65.3M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.33% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.33% · Tier avg: 22.39%
15
15th pctile
Total Deposits
Current: $65.3M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.4M · Tier avg: $217.5M
25
25th pctile
Total Loans
Current: $60.3M · Tier avg: $139.2M
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
39
39th pctile
Efficiency Ratio
Current: 70.50% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 8.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.34% · Tier avg: 74.53%