# BONANZA VALLEY STATE BANK
BROOTEN, MN · FDIC certificate 10993 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $74.8M | |
| Deposits | $59.5M | |
| Loans and leases | $63.7M | |
| Total equity | $7.0M | |
| Loans / deposits | 106.67% (p95 of band) | 73.59% |
| Liquid assets / assets | 10.31% (p4 of band) | |
| Uninsured deposits / deposits | 25.41% (p70 of band) | 19.81% |
| Brokered deposits | 5.35% | |
| Wholesale funding | 16.15% (p92 of band) | |
| FHLB advances / assets | 10.80% | |
| Tier 1 leverage | 9.73% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -4.90% (p57 of band) | -6.57% |
| AOCI / equity | 0.88% (p96 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 3.62% (p34 of band) | 3.93% |
| Efficiency ratio | 65.82% (p50 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 673.17% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 36.24% (p69 of band) | |
| Auto loans | $873,000 (1.37% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | reserve under noncurrent |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | charge-offs p90 |  |
| 2013-09 | 3 |  | charge-offs p90 |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 2 |  | reserve under noncurrent, capital falling |
| 2014-09 | 3 | reserve under noncurrent |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 2 |  | loans exceed deposits |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 | capital falling | charge-offs p90 |
| 2017-09 | 3 | charge-offs p90 | capital falling |
| 2017-12 | 0 |  | brokered >10%, wholesale funding >15%, charge-offs p90 |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | brokered >10% |  |
| 2018-09 | 0 |  | capital falling, brokered >10% |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | expense ratio p90 |  |
| 2023-09 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 0 |  | expense ratio p90, brokered >10%, wholesale funding >15%, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | wholesale funding >15%, deposits shrinking |  |
| 2024-12 | 5 | loans exceed deposits, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 |  | wholesale funding >15%, loans exceed deposits, assets shrinking, uninsured deposits leaving |
| 2025-06 | 4 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |  |
| 2025-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 3 | loans exceed deposits, capital falling |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-16 [Obituary for Allen Anderson - Harvey Anderson & Johnson Funeral Home](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9ma1d0by1hTlVsSHk2SWMzSWsxZm4xNHlrSGI2Unp5a053Sk41TzR1VWhfTUV4enNfSGZ6aENNN1hFZ05aVV95aDMtaTNjbGVlZ2RjZU9Caw?oc=5) · Harvey Anderson &amp; Johnson Funeral Home
- 2020-06-19 [Beatrice "Bea" J. (Damhof) Sagedahl Obituary Jun 19, 2020 - Hoplin-Hitchcock Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE8wdnVaM1AyNFZkM2FrSEhKSTBNV0JhX2RDdENXeDRreW0tVTBYeXdBTlFVVy1JWVlUcEU2NzVndWVucXFuS3BCYk1nTWVTM2J6RVRHYnkyT2ZCUjhtRU4ya3JkcFlTZ1ZsaDZYZzNkdmVuS3QxTUFZUE1faw?oc=5) · Hoplin-Hitchcock Funeral Home
- 2017-05-16 [Marlene L. Isdahl - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMjJiU0d5T1NOWmxGZVlqLXM0elVGTUMzTkV1Ri1GcF8zVXUzMjJRalV5UnhkNmt4ZU5HUzFlanB2a3FIU0xmU3RwWEpNd3oxdXY5SUVJQkNmNkZ0cmM3QUZHcGV2N2lQWmZUdll6cWZCUXdUQlZOd1hvUlE0VmVIcnNFZGNYQ3lWNzJZellLMHQ0UQ?oc=5) · legacy.com
- 2020-07-25 [Brooten, Minn., divided and devastated after alleged pulltab swindle - startribune.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxORnYzd2lLYmVHWVpDcVhiV0NDVzVwLWFNc2Q3Q2dTTjVZMjlpNWNwd09WT2dyZS12ZEFKcThleE93Y044a1B3RGtxUDh4M0lmd3FTdmN1VVJUYjFRRE9LdkJhTjZ0LXpDdGlTSVFKOEtzbmkwY0N3TTdWZXdfWFNrRmMxb1hBRmdiNFM0eTFDXzNVLUZDMTlVQnhabkJSMlhVUEc0SjlB?oc=5) · startribune.com
- 2018-03-28 [Emelie L. (Kittelson) Sorenson Obituary Mar 28, 2018 - Hoplin-Hitchcock Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE8tYzExR09RbGozYzJOWTdUQ0o2ZFNsOWdRa0ZzVHNlc3NUTm9qZUdMOXNPSkVHbjZkZGUxNnQwa1JBeEwxczNlRHRyTVU4aXl4QWtIRHZZT1M0eXlCbVNWbk1nbXUycGU3bmgycG92OC16SlpVSDhfcXFR?oc=5) · Hoplin-Hitchcock Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10993 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "10993", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide