Bank Comparison
Northwoods Bank of Minnesota vs Farmers & Merchants State Bank of Springfield
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| CET1 Ratio | — | 14.56% |
| Tier 1 Capital Ratio | — | 14.56% |
| Total Capital Ratio | — | 15.82% |
| Tier 1 Leverage Ratio | 11.00% | 8.52% |
| Equity / Assets | 9.32% | 8.36% |
Profitability
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| Return on Assets (ROA) | 1.04% | 1.18% |
| Return on Equity (ROE) | 11.50% | 13.54% |
| Net Interest Margin (NIM) | 3.91% | 3.94% |
| Yield on Earning Assets | 5.03% | 5.17% |
| Cost of Funds | 1.22% | 1.28% |
Asset quality
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| Texas Ratio | 0.00% | 29.67% |
| Non-Performing Loan Ratio | 0.00% | 4.33% |
| Non-Performing Asset Ratio | 0.00% | 2.80% |
| Net Charge-Off Ratio | -0.01% | -0.02% |
| ACL / Loans | 1.31% | 1.69% |
Balance sheet
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| Total Assets | $140,514K | $141,423K |
| Total Deposits | $124,411K | $122,506K |
| Total Loans | $77,062K | $91,562K |
| Total Equity | $13,098K | $11,816K |
| Net Income (quarter) | $375 | $416 |
Liquidity & funding
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| Loan-to-Deposit Ratio | 61.94% | 74.74% |
| Core Deposit Ratio | 91.14% | 98.85% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northwoods Bank of Minnesota | Farmers & Merchants State Bank of Springfield |
|---|---|---|
| Headquarters City | PARK RAPIDS | SPRINGFIELD |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 714810 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 35 | 20 |
| Established | Sept. 19, 1919, midnight | Jan. 1, 1918, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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