BlastPoint's Banking Scorecard
Woodlands National Bank
Micro
Specialty: Commercial
MN
FDIC cert 1417
Designations: ✓ Community bank
Hinckley, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Woodlands National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.92% below tier
- + Tier 1 Capital Ratio 13.87% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.2M
-1.3% YoY
-3.9% QoQ
|
+$94.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$122.1M
-11.5% YoY
-3.4% QoQ
|
-$17.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$279.9M
-3.3% YoY
-4.6% QoQ
|
+$96.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.65%
+11.0% YoY
+4.1% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.14%
+1.1% YoY
+2.2% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
74.16%
+1.7% YoY
-1.2% QoQ
|
+6.43% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.68%
-8.2% YoY
+55.3% QoQ
|
+1.04% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
43.61%
-8.4% YoY
+1.2% QoQ
|
-30.92% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.62%
+2.5% YoY
-4.7% QoQ
|
-8.77% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.78%
-20.0% YoY
+31.3% QoQ
|
+0.33% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
22.72%
+12.5% YoY
+5.8% QoQ
|
+13.87% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.39%
-4.8% YoY
+32.4% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.61%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.72%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.72% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $279.9M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $312.2M · Tier avg: $217.5M
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
30
30th pctile
Efficiency Ratio
Current: 74.16% · Tier avg: 67.73%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.62% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.62% · Tier avg: 22.39%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
30
30th pctile
Efficiency Ratio
Current: 74.16% · Tier avg: 67.73%
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
74
74th pctile
Total Assets
Current: $312.2M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $279.9M · Tier avg: $183.7M
91
91th pctile
Tier 1 Capital Ratio
Current: 22.72% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%