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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

5.15%Q2 ’245.72%Q2 ’256.05%Q2 ’26+15%+12%

Non-interest income vs. expense

3.43%Q2 ’243.64%Q2 ’253.62%Q2 ’26+5%+0%

Executive Summary

  • Earnings: ROA of 1.04%, up 31 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.53% of loans (+105 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.04%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.44%+49 bps YoY

Efficiency Ratio (quarter, annualized)

68.94%-721 bps YoY

Tier 1 Leverage Ratio

8.59%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.77%0.85%0.82%1.04%+31 bps
Return on Equity9.02%9.49%10.25%9.93%12.85%+383 bps
Net Interest Margin3.95%4.01%4.23%4.24%4.44%+49 bps
Efficiency Ratio76.16%76.72%76.71%74.78%68.94%-721 bps
Non-Interest Burden2.81%2.88%3.07%2.98%2.81%+1 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 / Loans0.06%0.05%0.29%0.03%0.00%-6 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