Bonanza Valley State Bank: how it compares with its peers
Against 78 MN banks with half to twice its assets, Bonanza Valley State Bank's strongest measure in Q2 2026 is assets per employee ($12.5M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.62% vs. 4.07%).
| Measure | Bonanza Valley State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.27% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.62% | 4.07% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.82% | 61.34% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.5M | $7.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.67% | 77.82% | Context |
What it means for lending operations
Its efficiency ratio of 65.82% is above the 61.34% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Elysian Bank Elysian, MN · $76M
- Randall State Bank Randall, MN · $76M
- Farmers State Bank of Trimont Trimont, MN · $73M
- Security State Bank of Kenyon Kenyon, MN · $72M
- State Bank of Chandler Chandler, MN · $69M
- State Bank of Cold Spring Cold Spring, MN · $82M
Questions about Bonanza Valley State Bank
How big is Bonanza Valley State Bank?
Bonanza Valley State Bank, established in 1894, is headquartered in Brooten, MN. It reported $75M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bonanza Valley State Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.27% median for 78 MN banks with half to twice its assets, ahead of 45% of them.
What is Bonanza Valley State Bank's efficiency ratio?
65.82% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.34%, and lower is better.
Is Bonanza Valley State Bank growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 13.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.