Northwoods Bank of Minnesota
Park Rapids, MN · Cert 1415 · Peer group: banks under $1B in assets in MN (n=111-113) · Dorset Bancshares Inc.
State savings bank · OCC · 4 branches
Q2 2026
$140.6MAssets
$77.6MLoans
$125.0MDeposits
$13.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of banks under $1B in assets in MN (rank 17 of 111).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in MN (rank 95 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.87%
Rank 84 of 113
Net Interest Margin
3.80%
Rank 62 of 113
Efficiency Ratio
73.69%
Rank 96 of 113
Equity / Assets
9.22%
Rank 76 of 113
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 16% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.87% | 1.20% | 1.41% | Beats 26% | 84 / 113 | |
| Return on Equity | 9.46% | 8.92% | 11.27% | 13.99% | Beats 30% | 79 / 113 | |
| Net Interest Margin | 3.80% | 3.42% | 3.88% | 4.31% | Beats 45% | 62 / 113 | |
| Efficiency Ratio | 73.69% | 54.13% | 61.48% | 69.86% | Beats 16% | 96 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.58% | 1.82% | Beats 86% | 17 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 51% | 55 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 11.53% | 13.31% | 18.13% | Beats 20% | 90 / 113 | |
| Total Risk-Based Capital Ratio | 11.22% | 12.12% | 14.43% | 19.39% | Beats 16% | 95 / 113 | |
| Equity / Assets | 9.22% | 8.52% | 10.10% | 11.94% | Beats 33% | 76 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 62.08% | 62.08% | 77.32% | 88.06% | 24th pctl | 84 / 111 | |
| Loans / Assets | 55.17% | 55.01% | 66.35% | 75.50% | 26th pctl | 84 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |