BlastPoint's Banking Scorecard
Woodland Bank
Deer River, 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 +6.6% year over year ($152.0M on the books).
- Delinquency rate 1.54%.
- Return on assets 1.01%.
- Efficiency ratio 71.76% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Woodland Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency Ratio 7.28% above tier average
- - Delinquency Rate 0.62% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.5M
+7.0% YoY
+3.3% QoQ
|
-$209.1M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$135.5M
+9.1% YoY
+3.8% QoQ
|
-$122.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$152.0M
+6.6% YoY
+2.7% QoQ
|
-$174.8M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.01%
+51.2% YoY
+22.0% QoQ
|
-0.32% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.85%
+13.4% YoY
+2.0% QoQ
|
+0.87% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 10.7% in tier |
| Efficiency Ratio ? |
71.76%
-7.5% YoY
-4.0% QoQ
|
+7.28% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
1.54%
+219.8% YoY
+83.5% QoQ
|
+0.62% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
89.19%
+2.3% YoY
+1.1% QoQ
|
+11.24% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
24.22%
-16.0% YoY
-4.1% QoQ
|
+2.19% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.18%
+225.8% YoY
+84.4% QoQ
|
+0.51% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
10.68%
-2.9% YoY
-0.7% QoQ
|
-5.23% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.38%
-9.3% YoY
+102.5% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
24.2%
-4.6pp YoY -1.0pp QoQ |
+2.1pp | 22.1% | 21.9% | 22.2% | 63% |
| Brokered Deposits |
1.3%
+1.3pp YoY +1.3pp QoQ |
-6.5pp | 7.9% | 8.3% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
0.0pp YoY +0.6pp QoQ |
+2.6pp | 11.6% | 14.6% | 12.5% | 73% |
| CRE |
42.5%
+2.9pp YoY 0.0pp QoQ |
+3.0pp | 39.5% | 36.5% | 41.4% | 58% |
| 1-4 Family |
36.0%
-1.1pp YoY -0.3pp QoQ |
+3.4pp | 32.6% | 29.4% | 31.3% | 64% |
| Consumer |
5.2%
-1.1pp YoY -0.1pp QoQ |
+1.1pp | 4.1% | 4.5% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.7%
-0.3pp YoY -0.1pp QoQ |
-8.1pp | 18.8% | 16.5% | 19.7% | 6% |
| Leverage Ratio |
8.6%
-0.1pp YoY +0.1pp QoQ |
-3.6pp | 12.2% | 11.0% | 12.6% | 7% |
| Total Capital Ratio |
11.6%
-0.3pp YoY -0.1pp QoQ |
-8.3pp | 19.9% | 17.6% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
0 YoY 0 QoQ |
-27 | 58 | 55 | 482 | 30% |
| Assets per Employee ($) |
$5.5M
+7.0% YoY +3.3% QoQ |
-$2.0M | $7.5M | $8.6M | $8.8M | 24% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.6pp YoY +0.8pp QoQ |
+0.6pp | 0.3% | 0.4% | 0.4% | 90% |
| Nonaccrual |
0.6%
+0.5pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 59% |
| Allowance Coverage |
0.61x
-68.9% YoY -44.3% QoQ |
-23.54x | 24.15x | 20.41x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+4.0pp YoY +2.3pp QoQ |
0.0pp | 12.2% | 13.1% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$867,000
+61.5% YoY — QoQ |
-$1.7M | $2.6M | $4.5M | $40.4M | 22% |
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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.