Woodlands National 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 3.79 percentage points higher than in Q1 2026, at 12.73%. On return on assets, Woodlands National Bank is 23rd from the bottom among 221 Minnesota banks, 0.62% (Q2 2026). Woodlands National Bank's return on assets of 0.62% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.71% |
| Tier 1 risk-based capital ratio | 23.71% |
| Total risk-based capital ratio | 24.94% |
| Tier 1 leverage ratio | 11.20% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 8.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.42% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 6.09% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 108.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 6.80% |
| Net interest margin | 3.15% |
| Efficiency ratio | 74.38% |
| Yield on earning assets | 4.50% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.77% |
| Core deposits to total deposits | 86.67% |
| Brokered deposits to total deposits | 12.73% |
| Deposits to assets | 90.19% |
| Securities to assets | 40.69% |
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 | 18.55% | 18.55% | 19.80% | 9.83% | 0.95% |
| Q4 2023 | 19.86% | 19.86% | 21.11% | 9.99% | 0.74% |
| Q1 2024 | 20.38% | 20.38% | 21.63% | 9.87% | 0.53% |
| Q2 2024 | 19.95% | 19.95% | 21.20% | 10.15% | 0.61% |
| Q3 2024 | 19.70% | 19.70% | 20.95% | 10.05% | 0.42% |
| Q4 2024 | 20.20% | 20.20% | 21.45% | 10.11% | 0.70% |
| Q1 2025 | 21.68% | 21.68% | 22.93% | 10.94% | 0.40% |
| Q2 2025 | 22.11% | 22.11% | 23.36% | 11.01% | 0.58% |
| Q3 2025 | 21.48% | 21.48% | 22.73% | 10.92% | 0.83% |
| Q4 2025 | 22.72% | 22.72% | 23.97% | 11.02% | 0.69% |
| Q1 2026 | 23.34% | 23.34% | 24.59% | 11.60% | 0.63% |
| Q2 2026 | 23.71% | 23.71% | 24.94% | 11.20% | 0.62% |
Woodlands National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands National 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 Woodlands National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1417) · FFIEC NIC profile (RSSD 980951)