BlastPoint's Banking Scorecard
Northwoods Bank of Minnesota
Park Rapids, MN
4 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +3.1% year over year ($125.0M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.05%.
- Efficiency ratio 73.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northwoods Bank of Minnesota has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency Ratio 9.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.6M
+2.6% YoY
+0.1% QoQ
|
-$246.0M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.6% in tier |
| Total Loans ? |
$76.6M
+3.6% YoY
+0.7% QoQ
|
-$181.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.0% in tier |
| Total Deposits ? |
$125.0M
+3.1% YoY
+0.4% QoQ
|
-$201.8M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.5% in tier |
| Return on Assets ? |
1.05%
+53.9% YoY
-0.8% QoQ
|
-0.27% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
4.01%
+14.2% YoY
+2.8% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
73.69%
-8.2% YoY
+1.7% QoQ
|
+9.22% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.03%
-96.7% YoY
|
-0.89% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
61.27%
+0.5% YoY
+0.2% QoQ
|
-16.68% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
28.48%
+8.5% YoY
+15.4% QoQ
|
+6.45% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
-96.7% YoY
|
-0.65% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
11.22%
+1.3% YoY
+2.0% QoQ
|
-4.69% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.19%
-3.2% YoY
+120.3% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.5%
+2.2pp YoY +3.8pp QoQ |
+6.3pp | 22.1% | 21.9% | 22.2% | 77% |
| Brokered Deposits |
0.4%
-0.8pp YoY 0.0pp QoQ |
-7.5pp | 7.9% | 8.3% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
+0.8pp YoY +0.2pp QoQ |
-7.4pp | 11.6% | 14.6% | 12.5% | 15% |
| CRE |
53.7%
+0.9pp YoY +0.4pp QoQ |
+14.1pp | 39.5% | 36.5% | 41.4% | 76% |
| 1-4 Family |
41.6%
-2.3pp YoY -1.3pp QoQ |
+9.0pp | 32.6% | 29.4% | 31.3% | 72% |
| Consumer |
1.1%
-0.5pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 4.5% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.1pp YoY +0.2pp QoQ |
-1.0pp | 12.2% | 11.0% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+3 (+10.0%) YoY -2 (-5.7%) QoQ |
-26 | 58 | 55 | 482 | 31% |
| Assets per Employee ($) |
$4.3M
-6.7% YoY +6.1% QoQ |
-$3.3M | $7.5M | $8.6M | $8.8M | 7% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.4% | 0.4% | 23% |
| Nonaccrual |
0.0%
-0.9pp YoY |
-0.9pp | 0.9% | 1.0% | 1.0% | 4% |
| Allowance Coverage |
43.96x
+2594.6% YoY |
+19.80x | 24.15x | 20.41x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+3.0pp YoY -0.1pp QoQ |
-0.8pp | 12.2% | 13.1% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 16% |
| Net Income ($, YTD) |
$742,000
+58.5% YoY — QoQ |
-$1.8M | $2.6M | $4.5M | $40.4M | 18% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.