NORTHWOODS BANK OF MINNESOTA

PARK RAPIDS, MN | Small | Est. Sept. 19, 1919, midnight | FDIC #1415 | RSSD #284752 | OCC
Latest Report: 2025-12-31

NORTHWOODS BANK OF MINNESOTA is asn small FDIC-insured commercial bank headquartered in PARK RAPIDS, MN, established in Sept. 19, 1919, midnight. As of 2025-12-31, the bank reported total assets of $143M and total deposits of $126M. Profitability stands at 1.36% ROA and 15.07% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 8.95%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #1415.

Assets

$143M

Deposits

$126M

Loans

$78M

Equity

$13M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 15.07%
Net Interest Margin (NIM) 4.04%
Yield on Assets 5.31%
Cost of Funds 1.29%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 8.95%
Tier 1 Capital 8.95%
Total Capital Ratio 9.39%
Leverage Ratio 10.93%
Loan-to-Deposit 61.46%

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