Bank Comparison
Northwoods Bank of Minnesota vs Settlers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.00% | 16.46% |
| Equity / Assets | 9.32% | 16.15% |
Profitability
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| Return on Assets (ROA) | 1.04% | 1.59% |
| Return on Equity (ROE) | 11.50% | 9.72% |
| Net Interest Margin (NIM) | 3.91% | 4.50% |
| Yield on Earning Assets | 5.03% | 5.45% |
| Cost of Funds | 1.22% | 1.10% |
Asset quality
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.55% |
| Non-Performing Loan Ratio | 0.00% | 0.15% |
| Non-Performing Asset Ratio | 0.00% | 0.10% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.31% | 1.75% |
Balance sheet
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| Total Assets | $140,514K | $140,202K |
| Total Deposits | $124,411K | $116,944K |
| Total Loans | $77,062K | $91,402K |
| Total Equity | $13,098K | $22,638K |
| Net Income (quarter) | $375 | $550 |
Liquidity & funding
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.94% | 78.16% |
| Core Deposit Ratio | 91.14% | 96.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northwoods Bank of Minnesota | Settlers Bank |
|---|---|---|
| Headquarters City | PARK RAPIDS | MARIETTA |
| Headquarters State | MN | OH |
| Asset Tier | Small | Small |
| Charter Class | 714810 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 35 | 19 |
| Established | Sept. 19, 1919, midnight | July 19, 1999, 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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