Woodlands National Bank: how it compares with its peers
Against 90 MN banks with half to twice its assets, Woodlands National Bank's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $7.5M peer median). Its weakest relative measure is net interest margin (3.14% vs. 3.97%).
| Measure | Woodlands National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.35% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 3.97% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.73% | 61.31% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.5M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.14% | 81.46% | Context |
What it means for lending operations
Its efficiency ratio of 74.73% is above the 61.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- VIKING BANK, NATIONAL ASSOCIATION Alexandria, MN · $330M
- The State Bank of Faribault Faribault, MN · $329M
- Citizens Bank & Trust Co. Hutchinson, MN · $329M
- Ultima Bank Minnesota Winger, MN · $334M
- Reliance Bank Faribault, MN · $334M
- Farmers and Merchants State Bank of Pierz Pierz, MN · $336M
Questions about Woodlands National Bank
How big is Woodlands National Bank?
Woodlands National Bank, established in 1908, is headquartered in Hinckley, MN. It reported $331M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Woodlands National Bank's return on assets?
0.63% annualized in Q2 2026, against a 1.35% median for 90 MN banks with half to twice its assets, ahead of 12% of them.
What is Woodlands National Bank's efficiency ratio?
74.73% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 61.31%, and lower is better.
Is Woodlands National Bank growing its loans?
Net loans shrank 7.2% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.