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
Unfavorable gap of $5.0M · efficiency ratio beats 19% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.87% | 1.20% | 1.41% | Beats 27% | 82 / 113 | | |
| Return on Equity | 11.16% | 8.92% | 11.27% | 13.99% | Beats 48% | 59 / 113 | | |
| Net Interest Margin | 4.29% | 3.42% | 3.88% | 4.31% | Beats 73% | 31 / 113 | | |
| Efficiency Ratio | 71.76% | 54.13% | 61.48% | 69.86% | Beats 19% | 92 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.09% | 0.58% | 1.82% | Beats 27% | 82 / 111 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 42% | 65 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.53% | 13.31% | 18.13% | Beats 11% | 101 / 113 | | |
| Total Risk-Based Capital Ratio | 11.60% | 12.12% | 14.43% | 19.39% | Beats 20% | 90 / 113 | | |
| Equity / Assets | 8.14% | 8.52% | 10.10% | 11.94% | Beats 18% | 93 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.03% | 62.08% | 77.32% | 88.06% | 78th pctl | 24 / 111 | | |
| Loans / Assets | 77.10% | 55.01% | 66.35% | 75.50% | 79th pctl | 24 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |