WOODLAND BANK

DEER RIVER, MN | Small | Est. Jan. 1, 1920, midnight | FDIC #8863 | RSSD #788652 | FDIC
Latest Report: 2025-12-31

WOODLAND BANK is asn small FDIC-insured commercial bank headquartered in DEER RIVER, MN, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $142M. Profitability stands at 0.85% ROA and 10.25% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 11.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 5.82%. FDIC Certificate #8863.

Assets

$168M

Deposits

$142M

Loans

$131M

Equity

$14M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 10.25%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.40%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.11%
Texas Ratio 5.82%
NPA Ratio 0.53%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 11.06%
Tier 1 Capital 11.06%
Total Capital Ratio 11.99%
Leverage Ratio 8.79%
Loan-to-Deposit 92.37%

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