WOODLANDS NATIONAL BANK

HINCKLEY, MN | Small | Est. Oct. 1, 1908, midnight | FDIC #1417 | RSSD #980951 | OCC
Latest Report: 2025-12-31

WOODLANDS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in HINCKLEY, MN, established in Oct. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $280M. Profitability stands at 0.72% ROA and 7.65% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 22.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.62% and a Texas Ratio of 7.40%. FDIC Certificate #1417.

Assets

$312M

Deposits

$280M

Loans

$124M

Equity

$30M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 7.65%
Net Interest Margin (NIM) 3.33%
Yield on Assets 4.77%
Cost of Funds 1.47%

Asset Quality

NPL Ratio 1.62%
Net Charge-Off Ratio 0.16%
Texas Ratio 7.40%
NPA Ratio 0.77%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 22.72%
Tier 1 Capital 22.72%
Total Capital Ratio 23.97%
Leverage Ratio 11.02%
Loan-to-Deposit 44.34%

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