Northwoods Bank of Minnesota: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Compared with Q1 2026, Core deposits to total deposits rose 0.71 percentage points in Q2 2026 to 91.85%, the biggest move on this page. Northwoods Bank of Minnesota ranks 164th of 221 Minnesota banks on return on assets, in the lower half at 1.03% (Q2 2026). Northwoods Bank of Minnesota reported 1.03% on return on assets for Q2 2026, 0.22 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.22% |
| Equity capital to assets | 9.22% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.16% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 10110.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 11.26% |
| Net interest margin | 4.18% |
| Efficiency ratio | 72.46% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.08% |
| Core deposits to total deposits | 91.85% |
| Brokered deposits to total deposits | 0.40% |
| Deposits to assets | 88.87% |
| Securities to assets | 37.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.44% | 0.89% | 3.25% | 0.04% | -0.01% |
| Q4 2023 | 10.88% | -0.26% | 3.34% | 0.04% | 0.02% |
| Q1 2024 | 10.97% | 0.58% | 3.24% | 0.37% | 0.02% |
| Q2 2024 | 11.15% | 0.43% | 3.36% | 0.35% | -0.01% |
| Q3 2024 | 10.68% | 0.84% | 3.33% | 0.36% | -0.02% |
| Q4 2024 | 11.17% | 0.70% | 3.32% | 0.23% | 0.00% |
| Q1 2025 | 11.44% | 0.71% | 3.65% | 0.02% | -0.02% |
| Q2 2025 | 11.07% | 0.65% | 3.55% | 0.92% | -0.02% |
| Q3 2025 | 10.69% | 1.15% | 3.99% | 0.42% | -0.01% |
| Q4 2025 | 10.93% | 1.35% | 3.95% | 0.02% | 0.00% |
| Q1 2026 | 11.00% | 1.04% | 3.91% | 0.00% | -0.01% |
| Q2 2026 | 11.22% | 1.03% | 4.18% | 0.01% | -0.01% |
Northwoods Bank of Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwoods Bank of Minnesota, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northwoods Bank of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1415) · FFIEC NIC profile (RSSD 284752)