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Woodlands National Bank
Hinckley, MN · FDIC Certificate #1417 · Chartered 10/0
Total assets
$331.01M
Total deposits
$298.55M
Total equity
$30.63M
Net loans
$119.83M
Branches (offices)
7
Net income (YTD)
$1.01M
Rank: #2,330 of 4,213 U.S. banks by assets · #80 of 221 in Minnesota. Assets changed 4.0% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 6.69% |
| Net interest margin (YTD) | 3.14% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 11.20% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 40.1% |
| Real estate loans (share of loans) | 61.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.80M | 61.6% | |
| Commercial & industrial | $30.22M | 25.2% | |
| Consumer / individual | $12.89M | 10.8% | |
| Construction & development | $3.81M | 3.2% | |
| Agricultural | $135.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $359.90M | $336.40M | $1.49M | $21.92M |
| Jun 2023 | $329.17M | $305.58M | $1.33M | $21.52M |
| Jun 2024 | $337.98M | $312.38M | $990.00K | $23.71M |
| Jun 2025 | $318.30M | $288.57M | $799.00K | $27.93M |
| Jun 2026 | $331.01M | $298.55M | $1.01M | $30.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $298.55M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $298.55M.
Similar-sized banks
The Harvard State Bank ($331.47M) · Northern State Bank ($330.77M)
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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