DEERWOOD BANK
DEERWOOD BANK is an FDIC-insured commercial bank headquartered in WAITE PARK, MN, established in 1910. As of , 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 4.39%. CET1 capital ratio: 10.93%, well above regulatory minimums. NPL ratio: 1.08% · Texas Ratio: 9.61%. Operates 14 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Deerwood Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.93% | 1.51% | 1.08% | 9.61% | 4.39% |
| 2025-09-30 | 10.99% | 1.98% | 1.09% | 10.05% | 4.42% |
| 2025-06-30 | 11.22% | 1.84% | 1.13% | 11.06% | 4.66% |
| 2025-03-31 | 11.51% | 1.53% | 1.71% | 12.46% | 4.34% |
| 2024-12-31 | 11.12% | 0.87% | 1.67% | 12.63% | 4.57% |
| 2024-09-30 | 11.24% | 1.60% | 1.37% | 9.98% | 4.44% |
| 2024-06-30 | 13.33% | 1.47% | 1.03% | 6.98% | 4.04% |
| 2024-03-31 | 13.01% | 1.10% | 1.05% | 7.19% | 3.65% |
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Frequently asked about DEERWOOD BANK
What are Deerwood Bank's total assets?
As of the Q4 2025 filing, Deerwood Bank reported total assets of $1.43 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Deerwood Bank headquartered?
Deerwood Bank is headquartered in WAITE PARK, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Deerwood Bank founded?
Deerwood Bank was established in 1910, per the FDIC institution directory.
Is Deerwood Bank FDIC-insured?
Yes. Deerwood Bank is an FDIC-insured commercial bank (FDIC Certificate #5123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Deerwood Bank?
Deerwood Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Deerwood Bank's CET1 capital ratio?
Deerwood Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.93% in its most recent quarterly filing — above regulatory minimums.
How many branches does Deerwood Bank operate?
Deerwood Bank operates 14 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Deerwood Bank's Texas Ratio?
Deerwood Bank's Texas Ratio is 9.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.