BanksDEERWOOD BANK

DEERWOOD BANK

WAITE PARK, MNLargeEst. March 21, 1910, midnightFDIC #5123RSSD #314257FDIC
Latest · 2025-12-31

DEERWOOD BANK is an 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%. CET1 capital ratio: 10.93%, well above regulatory minimums. NPL ratio: 0.39% · Texas Ratio: 4.87%. Operates 14 domestic branches.

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 Margin4.55%
Yield on Assets6.14%
Cost of Funds1.62%

Asset Quality

NPL Ratio0.39%
Net Charge-Off Ratio0.03%
Texas Ratio4.87%
NPA Ratio0.47%
ACL / Loans0.84%

Capital & Liquidity

CET1 Ratio10.93%
Tier 1 Capital10.93%
Total Capital Ratio11.71%
Leverage Ratio8.26%
Loan-to-Deposit72.30%

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