# WOODLAND BANK
DEER RIVER, MN · FDIC certificate 8863 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $177.5M | |
| Deposits | $152.0M | |
| Loans and leases | $136.8M | |
| Total equity | $14.5M | |
| Loans / deposits | 89.19% (p78 of band) | 73.59% |
| Liquid assets / assets | 14.41% (p10 of band) | |
| Uninsured deposits / deposits | 22.98% (p62 of band) | 19.81% |
| Brokered deposits | 1.13% | |
| Wholesale funding | 6.20% (p76 of band) | |
| FHLB advances / assets | 5.07% | |
| Tier 1 leverage | 8.62% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -9.01% (p43 of band) | -6.57% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 4.85% (p87 of band) | 3.93% |
| Efficiency ratio | 71.76% (p64 of band) | |
| Noncurrent loans | 1.53% (p80 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 61.27% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 103.56% (p95 of band) | |
| Auto loans | $3.0M (2.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | uninsured deposits leaving |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | capital falling, charge-offs p90 |  |
| 2014-03 | 1 |  | capital falling, charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | reserve under noncurrent, capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | capital falling, construction >100% equity |  |
| 2024-09 | 0 |  | capital falling, construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 2 | reserve under noncurrent, construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-06-26 [Robbery of Woodland Bank Branch in Hill City - fbi.gov](https://news.google.com/rss/articles/CBMinAFBVV95cUxPS3kxMVZPRk1TTlUyd1J2SnNGSElMUE5wMk9PLW1oUU1MRzI0bGZ2TUI3TlB0Si1vT29lSGxzRkhyRW5zcHhvSnBlZV9ESlB2SVZHMkFCUmotS2ZQOC1LMWtpRml1bkZ1eFF1N3ZrVkFmWktfZWJsbVpaclo0U091V3p3eTFsMzBFZUhqSW1OOW9jRDE4TDlKTlhHTjk?oc=5) · fbi.gov
- 2018-11-30 [Steve Jurvelin joins Woodland Bank’s Board of Directors - Grand Rapids Herald-Review](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSHRDSS1IdENobHR5WTdfOFR6U0dJMTJnaU8zMzd0RVhPQXBsUU0zQkRjYjZkZ2I2b2dBNGRRN2ZFT0FSSXE0c2J6bkJ6bUUxaG5uc0pCQ3pCNjlQcUlUYTNCQW93eU14dnUxbnVZRnVBMHQ2bXhlZDJzWkliMEVZME8wTk10QjZ1b2o4MmdGaUZsOS1ocWJicjJ5cTUzSXBNbFZycWRYU3E5Qnp3LTFHSFFHWWthSEk3LURiRmtJZ3V4bzEyck5nYUhSRmFrLVEwVHJ2YkE5eXZMNkpEODdV?oc=5) · Grand Rapids Herald-Review
- 2023-02-17 [Woodland Bank names Werner president; several others promoted - BusinessNorth](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQYTFSMmI1N21sVG03TWFod2taUlBPWUt6bVF2NHdPbW9qWlNZaXdsZDFYOWhOSUZMbXh5cUE1bEZVV0FldVo3bFc4X2hmLUdrVWJuR2IxTlljVFhIOHZiZUlmTFZnYTdzek5CaU1mQkdvbmxZWS1uX2FkdlBPVWhfOXVFRnM1d0dYME9PdllVQ2tjXzZFT3VPWHMzaVFkcWJQTjk1SlRXTjRxQktOS0Utc3UwbzhoZ3ZtWkc2eWlUbjlTV2JSVWVmOFhhWVhfb2xVczhWcnE4WGhPdmc3VTltRGpxZ3FXdFF0bXpn?oc=5) · BusinessNorth
- 2025-06-27 [Woodland Bank CFO recognized nationally as a community bank leader - WDIO.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNUjZnZFVWd2hfeldjMWoxQ0hZNUtFRlllbG5ST3l0M1JPZVBvV3RFNmp6c2g5d1g0YktCamtWdThLenQ5NHZQQ05FVEhQQ2dGeXh2UmlSN2JXUDdydjR6dFV5YWV4QWYyMC1MZFFIQTdLRzVIc0RyRTFnTHBwOFdwdUtSTkVTM2tWa1JRbTVkeDBTSDhoRzR5ZHoyVXV3aEpCeGc?oc=5) · WDIO.com
- 2024-06-06 [My Place Hotels of America Opens New Property in Grand Rapids, Minnesota - lodgingmagazine.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZFZmc2prTDd6bFZiTktLV1BqRU1FZTBqSGlHRTZnV04zbWU3TWdBRUdMWVRqaGJKUUtGU2lNNDhEVm9HcURxVmpVQWhkRkNNS09JSENpbU1UWG96TmdpUFZHWkQ3bjNQQWdWcHRMS2Faa1JEdzVUbExxUjFYN1QzRTVvRXcxV2hzU3VrY3NlcklrRVU3Qnl1WDE2Z21QaDlqVkE?oc=5) · lodgingmagazine.com
- 2013-06-26 [Hill City, Cohasset bank robberies still under investigation - Grand Rapids Herald-Review](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQZ3BvdWpXNmx0MFYyYV9lbU1tMy15Q05kLTVUSXBJeXZ3UnNlREpKbkhybTE2TVRBaTRlMmJtSElsZF8zeXhlRkpnVHJ4RmlyTUlpTmVTNUo2VW5KNjdiMTk4MTlnU2xIbllXLTQ5dDZoTmNrbUE5X2o3dEwtTVB3UG53YVZpbUM2MFdMc09YbC14bmxGM1hLRXJaZEVsdXFSNFl5Wk1oY2FYZ0FFN1o0NHVjdWpPMFNXQVQxYmVXa3ZlSzhUU0xEY3oxOHkwZmpmeEE1RTBrQVlXUjBS?oc=5) · Grand Rapids Herald-Review
- 2015-08-03 [Damjanovich, Ogle join Woodland Bank’s board of directors - BusinessNorth](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNRGlYTFRpbzFqdmNmR2ZGRXNibXN4OHRDSWVkY1VZY2ZfOGZSZ2ZtbWJfSkNZLVZtM0k4ZWY1Z1kwV2R6U0hOYzFXNDhPVlYzM20wRVZZaWRoUU9oUTJvQ2hlYVR6WTNtOXhBLU9xX3Ffdml6TmR1TXZ4NTEzZWJldkxpbGNsR2M5cS1LVmkydXdkX0tkcFdYQXZVQVFmcGp3SkYwNjRsZS1YeXdyZ0hSXzJHMDBzTGt6bkh0VHJVcmFJeXRNNUkydnVsOXhVOURoVktwYS1wbmhTZkZrR0l6NA?oc=5) · BusinessNorth
- 2025-01-10 [Larry Hendershott Obituary (2025) - Grand Rapids, MN - Grand Rapids Herald-Review - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPS2ZESWI3WGttVU9YdWVScUtibEFuUzQxaGo5cGg0U1VtNVdJMmtOcUdQZTM5cVBVeEgzSXVFWEhlUjlTbzlrNjZLb2Jod1A0VEJhMlBUelFFS1lsTEZ1aFRONUctMHE5dkNZcHhKQ2k1NjJkYXpVY25NMV9HRzl3RnMzRDlGcEpjN2d6WjdtRWtEc2pVRHFnNlVn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8863 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "8863", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide