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Woodland Bank

Deer River, MN · Cert 8863 · Remer Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Woodland Bank

Deer River, MN · Cert 8863 · Remer Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$177.5MAssets
$136.8MLoans
$152.0MDeposits
$14.4MEquity
Loan mix
81%RE $104.1M14%C&I $17.8M5%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $115.2M24%Noninterest $36.8MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.55%Q2 ’255.87%Q2 ’26+12%+13%

Non-interest income vs. expense

3.42%Q2 ’243.61%Q2 ’253.63%Q2 ’26+3%+4%

Executive Summary

  • Earnings: ROA of 0.93%, up 27 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 1.53% of loans (+105 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.59%, down 14 bps from a year ago.
  • Funding: loans stand at 90.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+50 bps YoY

Efficiency Ratio (YTD, annualized)

71.76%-584 bps YoY

Tier 1 Leverage Ratio

8.59%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.70%0.74%0.82%0.93%+27 bps
Return on Equity8.17%8.61%9.03%9.93%11.34%+317 bps
Net Interest Margin3.79%3.75%3.89%4.24%4.29%+50 bps
Efficiency Ratio77.60%77.29%77.13%74.78%71.76%-584 bps
Non-Interest Burden2.75%2.71%2.81%2.98%2.86%+11 bps
Growth
Asset Growth (YoY)6.00%7.00%5.80%7.43%7.03%+102 bps
Loan Growth (YoY)5.64%5.81%5.62%7.83%9.06%+341 bps
Deposit Growth (YoY)6.54%6.14%4.52%7.84%6.59%+5 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.98%0.91%0.83%1.53%+105 bps
Net Charge-Offs / Loans0.05%0.05%0.11%0.03%0.01%-3 bps
Allowance / Loans0.94%0.93%0.89%0.91%0.94%-1 bps
Allowance Coverage of NPLs2.0x0.9x1.0x1.1x0.6x-1.4x
Capital
Tier 1 Leverage Ratio8.72%8.53%8.79%8.51%8.59%-14 bps
Total Risk-Based Capital11.99%11.91%11.99%11.70%11.60%-39 bps
Equity / Assets8.07%8.16%8.48%8.11%8.14%+7 bps
Liquidity & Funding
Loans / Deposits88.00%88.10%92.37%89.08%90.03%+204 bps
Liquid Assets / Assets4.29%4.50%4.84%4.67%4.51%+22 bps
CRE / Total Capitaln/a356%364%383%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Woodland Bank

Deer River, MN · Cert 8863 · Peer group: banks under $1B in assets in MN (n=111-113) · Remer Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$177.5MAssets
$136.8MLoans
$152.0MDeposits
$14.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets in MN (rank 31 of 113).
  • Widest gap: tier 1 capital ratio trails 89% of banks under $1B in assets in MN (rank 101 of 113).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.91%

Rank 82 of 113

Net Interest Margin

4.29%

Rank 31 of 113

Efficiency Ratio

71.76%

Rank 92 of 113

Equity / Assets

8.14%

Rank 93 of 113

Non-interest income vs. expense

$1.3M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 19% of banks under $1B in assets in MN
Bank 71.76%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.87%1.20%1.41%Beats 27%82 / 113
Return on Equity11.16%8.92%11.27%13.99%Beats 48%59 / 113
Net Interest Margin4.29%3.42%3.88%4.31%Beats 73%31 / 113
Efficiency Ratio71.76%54.13%61.48%69.86%Beats 19%92 / 113
Asset Quality
Nonperforming Loans / Loans1.53%0.09%0.58%1.82%Beats 27%82 / 111
Net Charge-Offs / Loans0.01%n/a0.00%0.04%Beats 42%65 / 111
Capital
Tier 1 Capital Ratio10.64%11.53%13.31%18.13%Beats 11%101 / 113
Total Risk-Based Capital Ratio11.60%12.12%14.43%19.39%Beats 20%90 / 113
Equity / Assets8.14%8.52%10.10%11.94%Beats 18%93 / 113
Liquidity & Funding
Loans / Deposits90.03%62.08%77.32%88.06%78th pctl24 / 111
Loans / Assets77.10%55.01%66.35%75.50%79th pctl24 / 113
Brokered Deposits / Depositsn/aNot reported for this institution