BlastPoint's Banking Scorecard
Bonanza Valley State Bank
Designations: ✓ Community bank
Brooten, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +13.9% year over year ($59.5M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.20%.
- Efficiency ratio 65.82% vs a 119.40% peer average.
- Loan-to-deposit ratio 106.67% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bonanza Valley State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Efficiency Ratio 53.57% below tier average
- + Delinquency Rate 1.42% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.46% above tier average
- - Non-Interest-Bearing Deposit Share 23.08% below tier average
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.8M
+5.6% YoY
+0.2% QoQ
|
+$12.3M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$63.5M
+7.6% YoY
+3.6% QoQ
|
+$28.6M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 10.4% in tier |
| Total Deposits ? |
$59.5M
+13.9% YoY
-0.2% QoQ
|
+$7.9M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.20%
+62.7% YoY
+8.5% QoQ
|
+0.20% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.62%
+14.7% YoY
+4.0% QoQ
|
-0.29% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
65.82%
-14.0% YoY
-1.5% QoQ
|
-53.57% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.06%
+534.9% YoY
-71.5% QoQ
|
-1.42% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
106.67%
-5.5% YoY
+3.9% QoQ
|
+32.46% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.41%
+13.1% YoY
-7.3% QoQ
|
-23.08% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+547.3% YoY
-70.6% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.15%
-5.1% YoY
-5.0% QoQ
|
-14.97% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.10%
-24.2% YoY
+105.2% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.4%
0.0pp YoY 0.0pp QoQ |
-24.2pp | 24.6% | 21.9% | 22.2% | 1% |
| Brokered Deposits |
6.7%
0.0pp QoQ |
-3.1pp | 9.8% | 8.3% | 8.5% | 51% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
+0.1pp YoY -0.7pp QoQ |
-7.4pp | 13.4% | 14.6% | 12.5% | 27% |
| CRE |
12.2%
-1.0pp YoY -1.3pp QoQ |
-13.1pp | 25.2% | 36.5% | 41.4% | 18% |
| 1-4 Family |
35.6%
-1.7pp YoY -0.8pp QoQ |
+0.6pp | 35.0% | 29.4% | 31.3% | 56% |
| Consumer |
2.7%
+0.2pp YoY 0.0pp QoQ |
-4.9pp | 7.7% | 4.5% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
-0.7pp YoY -0.6pp QoQ |
-26.5pp | 38.7% | 16.5% | 19.7% | 8% |
| Leverage Ratio |
9.7%
-0.1pp YoY -0.1pp QoQ |
-8.0pp | 17.7% | 11.0% | 12.6% | 15% |
| Total Capital Ratio |
12.6%
-0.7pp YoY -0.7pp QoQ |
-27.1pp | 39.7% | 17.6% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 55 | 482 | 13% |
| Assets per Employee ($) |
$12.5M
+23.2% YoY +0.2% QoQ |
+$6.3M | $6.2M | $8.6M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 7% |
| Allowance Coverage |
6.73x
-85.4% YoY +240.3% QoQ |
+0.32x | 6.41x | 20.41x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+5.1pp YoY +0.9pp QoQ |
+6.8pp | 6.4% | 13.1% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+1.1pp | 1.4% | 1.7% | 1.7% | 92% |
| Net Income ($, YTD) |
$459,000
+73.2% YoY — QoQ |
+$141K | $317,817 | $4.5M | $40.4M | 69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.