DEERWOOD BANK

WAITE PARK, MN | Large | Est. March 21, 1910, midnight | FDIC #5123 | RSSD #314257 | FDIC
Latest Report: 2025-12-31

DEERWOOD BANK is aln large FDIC-insured commercial bank headquartered in WAITE PARK, MN, established in March 21, 1910, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.3B. Profitability stands at 1.51% ROA and 16.53% ROE, with a net interest margin of 4.55%. The bank's CET1 capital ratio is 10.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 4.87%. FDIC Certificate #5123.

Assets

$1.4B

Deposits

$1.3B

Loans

$936M

Equity

$129M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 16.53%
Net Interest Margin (NIM) 4.55%
Yield on Assets 6.14%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.87%
NPA Ratio 0.47%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 10.93%
Tier 1 Capital 10.93%
Total Capital Ratio 11.71%
Leverage Ratio 8.26%
Loan-to-Deposit 72.30%

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