Northwoods Bank of Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northwoods Bank of Minnesota of Park Rapids, MN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 11.26% | 13.32% | -2.06% | 43rd below |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 72.46% | 61.13% | +11.33% | 24th bottom |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 1.19% | 1.88% | -0.69% | 85th top |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 63rd above |
| ACL / NPLs (Coverage) | 10110.00% | 1544.84% | +8565.16% | — |
| Texas Ratio | 0.16% | 7.34% | -7.18% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.22% | 12.14% | -0.92% | 54th above |
| Equity / Assets | 9.22% | 11.37% | -2.15% | 31st below |
| TCE / Tangible Assets | 9.22% | 11.08% | -1.86% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.08% | 80.66% | -18.58% | 81st top |
| Core Deposit Ratio | 91.85% | 86.85% | +5.00% | 66th above |
| Wholesale Funding Ratio | 1.43% | 5.04% | -3.61% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.58% | 6.84% | -4.26% | 36th below |
| Loan Growth (Y/Y) | 3.44% | 7.92% | -4.48% | 39th below |
| Deposit Growth (Y/Y) | 3.09% | 6.29% | -3.20% | 43rd below |
See Northwoods Bank of Minnesota's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northwoods Bank of Minnesota, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northwoods Bank of Minnesota profile, how to read a UBPR, or how this data updates.