Bank Comparison
Northwoods Bank of Minnesota vs First Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.00% | 11.62% |
| Equity / Assets | 9.32% | 11.51% |
Profitability
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.04% | 1.60% |
| Return on Equity (ROE) | 11.50% | 14.09% |
| Net Interest Margin (NIM) | 3.91% | 3.80% |
| Yield on Earning Assets | 5.03% | 5.36% |
| Cost of Funds | 1.22% | 1.74% |
Asset quality
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| Texas Ratio | 0.00% | 1.39% |
| Non-Performing Loan Ratio | 0.00% | 0.21% |
| Non-Performing Asset Ratio | 0.00% | 0.16% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.31% | 1.03% |
Balance sheet
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| Total Assets | $140,514K | $140,168K |
| Total Deposits | $124,411K | $123,717K |
| Total Loans | $77,062K | $110,781K |
| Total Equity | $13,098K | $16,133K |
| Net Income (quarter) | $375 | $562 |
Liquidity & funding
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.94% | 89.54% |
| Core Deposit Ratio | 91.14% | 76.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northwoods Bank of Minnesota | First Commerce Bank |
|---|---|---|
| Headquarters City | PARK RAPIDS | MARYSVILLE |
| Headquarters State | MN | KS |
| Asset Tier | Small | Small |
| Charter Class | 714810 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 35 | 14 |
| Established | Sept. 19, 1919, midnight | Aug. 21, 2002, 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.
View full Northwoods Bank of Minnesota profile | View full First Commerce Bank profile | Browse all bank comparisons