BlastPoint's Banking Scorecard
Woodlands National Bank
Designations: ✓ Minority Depository Institution
Hinckley, MN
7 branches across MN
Woodlands National Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12.9% in tier
- - Deposit Outflow: Bottom 40.9% in tier
- - ROA 0.63% below tier average
- - Net Interest Margin 0.87% below tier average
- - Efficiency Ratio 8.77% above tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.4M
-0.3% YoY
+0.7% QoQ
|
-$71.7M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$120.4M
-6.4% YoY
-1.4% QoQ
|
-$135.3M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$282.7M
-1.5% YoY
+1.0% QoQ
|
-$45.2M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.64%
+55.5% YoY
-2.2% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.06%
+3.9% YoY
-2.8% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio ? |
74.06%
-11.0% YoY
-0.1% QoQ
|
+8.77% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
1.49%
+16.9% YoY
-11.1% QoQ
|
+0.60% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
42.59%
-5.0% YoY
-2.3% QoQ
|
-34.04% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 5.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.41%
-7.6% YoY
-1.6% QoQ
|
-8.61% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.61%
-13.4% YoY
-22.4% QoQ
|
-0.03% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
23.34%
+7.7% YoY
+2.7% QoQ
|
+7.51% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 8.1% in tier |
| Non-Interest Income / Assets ? |
0.10%
+7.3% YoY
-73.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
54% |
Get Full Access to Woodlands National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.