Bonanza Valley State Bank

First Street And Central Avenue
Brooten, MN 56316


General Bank Information

FDIC Insured Yes
FDIC Certificate # 10993
Date Established 1894
Assets $0.06 billion
Loans $0.05 billion
Deposits $0.05 billion
Capital $0.01 billion

Bonanza Valley State Bank is an FDIC insured institution located in Brooten, MN. It was founded in 1894 and has approximately $0.06 billion in assets.

For a more detailed analysis of Bonanza Valley State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bonanza Valley State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Farm Loans.

Compared to other banks, Bonanza Valley State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.37
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 7.11
Construction and Development Loans 1.40
Commercial Real Estate 7.11
Commercial and Industrial Loans 14.94
Farm Loans 13.33

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.35% $500 - Learn MoreShow Less
6 Mo CD 10K
0.40% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.65% $1 - Learn MoreShow Less
MM 10K
0.20% $1,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1,000 $10,000 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bonanza Valley State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.950% 3.950% 0.00 $0 $1,187 Learn More

Note to Bonanza Valley State Bank
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Financial Details

Bonanza Valley State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bonanza Valley State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bonanza Valley State Bank U.S. Bank Average
4.69% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bonanza Valley State Bank had $275,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,420,000 in equity and $447,000 in loans loss reserves. That gives it a Texas Ratio of 4.69%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bonanza Valley State Bank U.S. Bank Average
12.17% 8.39%

Bonanza Valley State Bank has a Return on Equity of 12.17% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bonanza Valley State Bank U.S. Bank Average
8.97% 11.94%

Bonanza Valley State Bank has a Capitalization of 8.97% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bonanza Valley State Bank Balance Sheet Analysis

As of June 30, 2017, Bonanza Valley State Bank had assets of $60,414,000, loans of $49,443,000, and deposits of $52,370,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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