Woodland Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodland Bank of Deer River, MN against its peer group of 2672 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 | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.85% | 13.31% | -0.46% | 53rd above |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 91st top |
| Efficiency Ratio | 68.77% | 61.14% | +7.63% | 31st below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.68% | -0.05% | 53rd above |
| Yield on Earning Assets | 6.70% | 5.67% | +1.03% | 91st top |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 51st above |
| Net Interest Spread | 4.39% | 3.32% | +1.07% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.94% | -0.06% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 31st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| ACL / NPLs (Coverage) | 106.22% | 1538.94% | -1432.72% | 29th below |
| Texas Ratio | 15.55% | 7.33% | +8.22% | 12th bottom |
| Provision / NCO | 1388.89% | 1395.49% | -6.60% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.64% | 19.50% | -8.86% | 6th bottom |
| Tier 1 Ratio | 10.64% | 19.54% | -8.90% | 6th bottom |
| Total Capital Ratio | 11.60% | 20.62% | -9.02% | 5th bottom |
| Leverage Ratio | 8.59% | 12.14% | -3.55% | 8th bottom |
| Equity / Assets | 8.14% | 11.37% | -3.23% | 15th bottom |
| TCE / Tangible Assets | 8.14% | 11.09% | -2.95% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.03% | 80.64% | +9.39% | 28th below |
| Core Deposit Ratio | 83.29% | 86.86% | -3.57% | 25th below |
| Wholesale Funding Ratio | 5.07% | 5.03% | +0.04% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | 6.85% | +0.18% | 69th above |
| Loan Growth (Y/Y) | 9.06% | 7.90% | +1.16% | 70th above |
| Deposit Growth (Y/Y) | 6.59% | 6.29% | +0.30% | 68th above |
See Woodland Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodland Bank, 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 Woodland Bank profile, how to read a UBPR, or how this data updates.