Bonanza Valley State Bank is a state-chartered bank headquartered in Brooten, Minnesota, in business for about 132 years. At the end of Q2 2026 it reported $74.8M in total assets and $59.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Bonanza Valley State Bank scores 68/100, which we describe as moderate. That is higher than only 33% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 128th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is funding & liquidity (42/100; 107% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 70 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 68 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.45% |
| Q3 2024 | 9.71% |
| Q4 2024 | 9.82% |
| Q1 2025 | 10.16% |
| Q2 2025 | 9.85% |
| Q3 2025 | 10.10% |
| Q4 2025 | 9.86% |
| Q1 2026 | 9.78% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.98% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $74.8M | 9.73% | 0.06% | 1.20% | 106.7% |
| Q1 2026 | 66 | $74.6M | 9.78% | 0.23% | 1.10% | 102.7% |
| Q4 2025 | 68 | $80.4M | 9.86% | 0.07% | 0.98% | 92.3% |
| Q3 2025 | 66 | $72.4M | 10.10% | 0.13% | 0.91% | 105.5% |
| Q2 2025 | 66 | $70.8M | 9.85% | 0.01% | 0.74% | 112.9% |
| Q1 2025 | 70 | $74.3M | 10.16% | 0.01% | 0.98% | 94.9% |
| Q4 2024 | 65 | $70.7M | 9.82% | 0.01% | 0.50% | 100.9% |
| Q3 2024 | 64 | $72.1M | 9.71% | 0.00% | 0.39% | 97.3% |
| Q2 2024 | 63 | $72.6M | 9.45% | 0.01% | 0.30% | 90.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Elysian BankBank Elysian, MN | 79 out of 100, Strong | $76.0M | 12.2% | 0.74% | vs |
| Randall State BankBank Randall, MN | 56 out of 100, Moderate | $76.4M | 10.7% | 2.30% | vs |
| Farmers State Bank of TrimontBank Trimont, MN | 70 out of 100, Strong | $73.1M | 17.4% | 1.05% | vs |
| Security State Bank of KenyonBank Kenyon, MN | 76 out of 100, Strong | $72.2M | 12.6% | 0.36% | vs |
| State Bank of ChandlerBank Chandler, MN | 74 out of 100, Strong | $68.7M | 11.6% | 0.95% | vs |
| State Bank of Cold SpringBank Cold Spring, MN | 66 out of 100, Moderate | $81.7M | 10.1% | 1.60% | vs |
Deposit insurance
Is my money safe at Bonanza Valley State Bank?
Yes. Bonanza Valley State Bank is an FDIC-insured institution (FDIC certificate #10993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.4% of deposits ($15.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.61% (benchmark: 10%).
1 location
Branches
Bonanza Valley State Bank lists 1 office in 1 city. Most locations:
- Brooten, MN (1)
Identity & history
Profile
- Legal name
- Bonanza Valley State Bank
- Former names
- State Bank of Brooten
- Type
- State-chartered bank
- FDIC certificate #
- 10993
- RSSD ID
- 107758
- Primary regulator
- FDIC
- Established
- February 22, 1894
- Headquarters
- 147 Central Ave S, Brooten, MN 56316
- Website
- www.bvsb.bank
- Employees
- 6
Quick answers
Bonanza Valley State Bank: common questions
Is Bonanza Valley State Bank FDIC insured?
Yes. Bonanza Valley State Bank is an FDIC-insured institution (FDIC certificate #10993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bonanza Valley State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bonanza Valley State Bank ever failed?
There is no failure record for FDIC certificate #10993 in the FDIC failed bank list.
How many branches does Bonanza Valley State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brooten
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| Lake Region BankBank New London, MN | 84 out of 100, Strong | $153.0M | 10.4% | 0.09% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |
| Minnesota National BankBank Sauk Centre, MN | 70 out of 100, Strong | $298.4M | 9.8% | 0.49% | vs |
| Kensington BankBank Kensington, MN | 69 out of 100, Moderate | $446.7M | 9.9% | 0.58% | vs |