Woodlands National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodlands National Bank of Hinckley, 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 | 0.62% | 1.35% | -0.73% | 16th bottom |
| ROAE | 6.80% | 12.06% | -5.26% | 20th bottom |
| Net Interest Margin | 3.15% | 3.90% | -0.75% | 14th bottom |
| Efficiency Ratio | 74.38% | 63.14% | +11.24% | 21st bottom |
| PPNR / Avg Assets | 0.82% | 1.64% | -0.82% | 15th bottom |
| Yield on Earning Assets | 4.50% | 5.65% | -1.15% | 9th bottom |
| Cost of Funds | 1.48% | 1.85% | -0.37% | 71st above |
| Net Interest Spread | 2.81% | 3.35% | -0.54% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.92% | +0.50% | 20th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.67% | -0.11% | 35th below |
| NCO / Avg Loans | 0.22% | 0.15% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) | 108.32% | 1645.79% | -1537.47% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.09% | 7.15% | -1.06% | 35th below |
| Provision / NCO | 5.43% | 1189.92% | -1184.49% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.71% | 20.83% | +2.88% | 86th top |
| Tier 1 Ratio | 23.71% | 20.86% | +2.85% | 86th top |
| Total Capital Ratio | 24.94% | 21.93% | +3.01% | 86th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.20% | 12.46% | -1.26% | 54th above |
| Equity / Assets | 9.25% | 11.67% | -2.42% | 31st below |
| TCE / Tangible Assets | 8.62% | 11.40% | -2.78% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.77% | 78.66% | -37.89% | 95th top |
| Core Deposit Ratio | 86.67% | 87.09% | -0.42% | 37th below |
| Wholesale Funding Ratio | 0.30% | 5.12% | -4.82% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.99% | 6.47% | -2.48% | 47th below |
| Loan Growth (Y/Y) | -7.38% | 7.65% | -15.03% | 4th bottom |
| Deposit Growth (Y/Y) | 3.46% | 6.02% | -2.56% | 46th below |
See Woodlands National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodlands National 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 Woodlands National Bank profile, how to read a UBPR, or how this data updates.