BlastPoint's Banking Scorecard

Northwoods Bank of Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 1415

Park Rapids, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Northwoods Bank of Minnesota has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 31.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Efficiency Ratio 7.19% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$140.5M +4.4% YoY -1.8% QoQ	-$245.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 11.4% in tier
Total Loans ?	$76.1M +1.8% YoY -0.7% QoQ	-$179.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 9.5% in tier
Total Deposits ?	$124.4M +3.4% YoY -1.5% QoQ	-$203.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 13.3% in tier
Return on Assets ?	1.06% +50.7% YoY +7.5% QoQ	-0.21%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.90% +10.9% YoY +4.0% QoQ	-0.03%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	72.48% -9.0% YoY -4.8% QoQ	+7.19%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	61.13% -1.6% YoY +0.8% QoQ	-15.51%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	24.68% -0.9% YoY +0.2% QoQ	+2.66%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.00% -3.9% YoY +0.6% QoQ	-4.83%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.09% -9.4% YoY -78.7% QoQ	-0.19%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#212 of 664 • Top 31.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

538

Loan-to-Deposit Ratio

liquidity

Value: 61.13%

Peer Median: 76.64%

#538 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (4 metrics)

2413

Total Loans

size

Value: $76.05M

Peer Median: $255.72M

#2413 of 2664 Bottom 9.5% in $100M-$1B

2362

Total Assets

size

Value: $140.51M

Peer Median: $386.08M

#2362 of 2664 Bottom 11.4% in $100M-$1B

2312

Total Deposits

size

Value: $124.41M

Peer Median: $327.97M

#2312 of 2664 Bottom 13.3% in $100M-$1B

2059

Tier 1 Capital Ratio

capital

Value: 11.00%

Peer Median: 15.83%

#2059 of 2664 Bottom 22.7% in $100M-$1B