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Woodland Bank
Deer River, MN · FDIC Certificate #8863 · Chartered 01/0
Total assets
$177.49M
Total deposits
$151.97M
Total equity
$14.50M
Net loans
$135.55M
Branches (offices)
4
Net income (YTD)
$867.00K
Rank: #3,128 of 4,213 U.S. banks by assets · #125 of 221 in Minnesota. Assets changed 7.0% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 12.19% |
| Net interest margin (YTD) | 4.85% |
| Equity to assets | 8.17% |
| Tier 1 leverage ratio | 8.62% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 1.53% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 89.2% |
| Real estate loans (share of loans) | 79.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.53M | 79.3% | |
| Commercial & industrial | $19.17M | 14.1% | |
| Consumer / individual | $7.11M | 5.2% | |
| Construction & development | $15.02M | 11.1% | |
| Agricultural | $897.00K | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.82M | $120.26M | $365.00K | $11.70M |
| Jun 2023 | $147.90M | $127.14M | $370.00K | $11.62M |
| Jun 2024 | $156.42M | $133.83M | $382.00K | $12.38M |
| Jun 2025 | $165.81M | $142.58M | $537.00K | $13.37M |
| Jun 2026 | $177.49M | $151.97M | $867.00K | $14.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $151.97M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $151.97M.
Similar-sized banks
South Lafourche Bank & Trust Company ($177.53M) · Hatch Bank ($177.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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