Woodland Bank: 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.
Reserve coverage of non-performing loans climbed 11.78 percentage points in Q2 2026, from 94.44% to 106.22%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Woodland Bank is 163rd of 221 on return on assets, 1.05% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Woodland Bank sits 0.21 points lower, at 1.05% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.64% |
| Tier 1 risk-based capital ratio | 10.64% |
| Total risk-based capital ratio | 11.60% |
| Tier 1 leverage ratio | 8.59% |
| Equity capital to assets | 8.14% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 15.55% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 106.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 12.85% |
| Net interest margin | 4.93% |
| Efficiency ratio | 68.77% |
| Yield on earning assets | 6.70% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.03% |
| Core deposits to total deposits | 83.29% |
| Brokered deposits to total deposits | 1.32% |
| Deposits to assets | 85.63% |
| Securities to assets | 9.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.22% | 11.22% | 12.27% | 8.82% | 0.67% |
| Q4 2023 | 11.50% | 11.50% | 12.52% | 9.15% | 0.68% |
| Q1 2024 | 11.02% | 11.02% | 12.03% | 8.83% | 0.49% |
| Q2 2024 | 10.96% | 10.96% | 11.95% | 8.61% | 0.51% |
| Q3 2024 | 11.15% | 11.15% | 12.14% | 8.63% | 0.67% |
| Q4 2024 | 11.39% | 11.39% | 12.38% | 8.79% | 0.77% |
| Q1 2025 | 11.22% | 11.22% | 12.23% | 8.60% | 0.60% |
| Q2 2025 | 11.00% | 11.00% | 11.99% | 8.72% | 0.74% |
| Q3 2025 | 10.94% | 10.94% | 11.91% | 8.53% | 0.77% |
| Q4 2025 | 11.06% | 11.06% | 11.99% | 8.79% | 0.86% |
| Q1 2026 | 10.75% | 10.75% | 11.70% | 8.51% | 0.82% |
| Q2 2026 | 10.64% | 10.64% | 11.60% | 8.59% | 1.05% |
Woodland Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodland Bank, 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 Woodland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8863) · FFIEC NIC profile (RSSD 788652)