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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