BlastPoint's Banking Scorecard

Woodlands National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 1417

Designations: ✓ Minority Depository Institution

Hinckley, MN

7 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 +3.5% year over year ($298.5M on the books).
Delinquency rate 1.44%.
Return on assets 0.63%.
Efficiency ratio 74.73% vs a 64.48% peer average.
Loan-to-deposit ratio 40.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Woodlands National Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.69% below tier average
- Net Interest Margin 0.85% below tier average
- Efficiency Ratio 10.25% above tier average
- Delinquency Rate 0.52% above tier average

Get updates when Woodlands National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$331.0M +4.0% YoY +5.3% QoQ	-$55.6M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$119.8M -7.2% YoY -0.5% QoQ	-$138.5M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$298.5M +3.5% YoY +5.6% QoQ	-$28.2M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	0.63% +25.8% YoY -0.6% QoQ	-0.69%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.14% +3.1% YoY +2.7% QoQ	-0.85%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 14.1% in tier
Efficiency Ratio ?	74.73% -5.9% YoY +0.9% QoQ	+10.25%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	1.44% +22.8% YoY -3.5% QoQ	+0.52%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	40.14% -10.3% YoY -5.8% QoQ	-37.81%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 4.2% in tier
Non-Interest-Bearing Deposit Share ?	13.62% +6.2% YoY +1.6% QoQ	-8.41%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.55% -15.2% YoY -8.6% QoQ	-0.11%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	23.71% +7.2% YoY +1.6% QoQ	+7.80%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Top 8.1% in tier
Non-Interest Income / Assets ?	0.20% -1.7% YoY +92.9% QoQ	-0.37%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	49%

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	13.6% +0.8pp YoY +0.2pp QoQ	-8.5pp	22.1%	21.9%	22.2%	19%
Brokered Deposits	12.7% +4.5pp YoY +3.8pp QoQ	+4.9pp	7.9%	8.3%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	25.2% -4.7pp YoY -0.3pp QoQ	+13.7pp	11.6%	14.6%	12.5%	94%
CRE	44.8% +5.0pp YoY +0.1pp QoQ	+5.3pp	39.5%	36.5%	41.4%	62%
1-4 Family	16.6% +1.2pp YoY +0.8pp QoQ	-16.0pp	32.6%	29.4%	31.3%	23%
Consumer	10.8% -1.3pp YoY -0.6pp QoQ	+6.6pp	4.1%	4.5%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	23.7% +1.6pp YoY +0.4pp QoQ	+4.9pp	18.8%	16.5%	19.7%	86%
Leverage Ratio	11.2% +0.2pp YoY -0.4pp QoQ	-1.0pp	12.2%	11.0%	12.6%	54%
Total Capital Ratio	24.9% +1.6pp YoY +0.4pp QoQ	+5.0pp	19.9%	17.6%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	51 +2 (+4.1%) YoY +1 (+2.0%) QoQ	-8	58	55	482	54%
Assets per Employee ($)	$6.5M -0.1% YoY +3.2% QoQ	-$1.0M	$7.5M	$8.6M	$8.8M	42%
Branch Count	7 0 YoY 0 QoQ	+2	4	4	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.4% +0.3pp YoY -0.1pp QoQ	+0.5pp	0.9%	1.0%	1.0%	81%
Allowance Coverage	1.09x -25.5% YoY +0.4% QoQ	-23.07x	24.15x	20.41x	20.23x	29%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.1pp QoQ	+0.2pp	0.1%	0.2%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	6.7% +0.6pp YoY +0.1pp QoQ	-5.5pp	12.2%	13.1%	11.6%	20%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	30%
Net Income ($, YTD)	$1.0M +26.8% YoY — QoQ	-$1.5M	$2.6M	$4.5M	$40.4M	27%

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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 (0)

No matched strength signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

113

Loan-to-Deposit Ratio

liquidity

Value: 40.14%

Peer Median: 77.95%

#113 of 2643 Top 4.2% in $100M-$1B

215

Tier 1 Capital Ratio

capital

Value: 23.71%

Peer Median: 15.91%

#215 of 2643 Top 8.1% in $100M-$1B

Top Weaknesses (6 metrics)

2271

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2271 of 2643 Bottom 14.1% in $100M-$1B

2212

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.32%

#2212 of 2643 Bottom 16.3% in $100M-$1B

2127

Delinquency Rate

credit_quality

Value: 1.44%

Peer Median: 0.92%

#2127 of 2633 Bottom 19.3% in $100M-$1B

2130

Non-Interest-Bearing Deposit Share

funding

Value: 13.62%

Peer Median: 22.03%

#2130 of 2643 Bottom 19.4% in $100M-$1B

2095

Efficiency Ratio

profitability

Value: 74.73%

Peer Median: 64.48%

#2095 of 2643 Bottom 20.8% in $100M-$1B

1984

Total Loans

size

Value: $119.83M

Peer Median: $258.35M

#1984 of 2643 Bottom 25.0% in $100M-$1B