BlastPoint's Banking Scorecard
Woodland Bank
Deer River, MN
4 branches across MN
Woodland Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.83% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency Ratio 9.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.9M
+7.4% YoY
+2.4% QoQ
|
-$214.2M |
$386.1M
+0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
20% |
| Total Loans ? |
$130.6M
+7.9% YoY
+0.7% QoQ
|
-$125.1M |
$255.7M
+1.1% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
29% |
| Total Deposits ? |
$148.0M
+7.8% YoY
+4.4% QoQ
|
-$180.0M |
$328.0M
+0.0% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
21% |
| Return on Assets ? |
0.82%
+36.8% YoY
+11.1% QoQ
|
-0.45% |
1.27%
+12.8% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
27% |
| Net Interest Margin ? |
4.76%
+15.0% YoY
+6.4% QoQ
|
+0.83% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 11.7% in tier |
| Efficiency Ratio ? |
74.78%
-5.5% YoY
-3.1% QoQ
|
+9.49% |
65.29%
-4.4% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
23% |
| Delinquency Rate ? |
0.84%
+101.3% YoY
-9.0% QoQ
|
-0.05% |
0.89%
+18.9% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
88.26%
+0.1% YoY
-3.6% QoQ
|
+11.63% |
76.64%
+0.8% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
25.25%
+2.2% YoY
+1.2% QoQ
|
+3.23% |
22.02%
-0.9% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.64%
+102.2% YoY
-10.5% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
10.75%
-4.2% YoY
-2.8% QoQ
|
-5.08% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.19%
-15.9% YoY
-77.2% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
83% |
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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.