🏦Bank Scorer

BONANZA VALLEY STATE BANK

BROOTEN, MN · Supervised by FDIC

Est. 1894FDIC #10,993RSSD: FDIC-10993
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

147 Central Ave S, BROOTEN, MN

County

Stearns County

Established

February 22, 1894

Total Assets

$75M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$75M

Total Deposits

$60M

Net Loans

$61M

Net Income

$214K

ROA

1.10%

ROE

12.37%

Risk-Based Capital

13.27%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$52M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202442100%0.00%
20232788.89%3.70%
20197097.14%2.86%
20185280.77%19.23%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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