B
Woodlands National Bank
OnamiaMN
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Woodlands National Bank
Onamia, MN
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Rating B
Asset Quality Index 5.60
Capitalization Index 9.90
Liquidity Index 5.20
Profitability Index 3.60
Stability Index 4.70
Company Info Woodlands National Bank
Onamia, MN
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FDIC Number 1417
Phone Number (320) 532-4142
Website www.woodlandsnationalbank.com
Asset Quality Woodlands National Bank
Onamia, MN
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1-Year Asset Growth -7.04%
5-Year Asset Growth 10.41%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 3.56%
Non-Performing Loans to Loans 1.05%
Balance Sheet Woodlands National Bank
Onamia, MN
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Total Assets 324.73M
Total Deposits 293.41M
Capital and Reserves Woodlands National Bank
Onamia, MN
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Capital 29.41M
Leverage Ratio 10.92
Loan Loss Reserves to Loans 1.65%
Risk-Based Capital Ratio 22.73
Liquidity Woodlands National Bank
Onamia, MN
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Hot Money Ratio 8.08%
Liquidity Ratio 62.01%
Profitability Woodlands National Bank
Onamia, MN
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5-Year Return on Average Assets 0.91%
Net Income 1.50M
Net Interest Spread 2.97%
Operating Profit to Average Assets 0.81%
Overhead Efficiency Ratio 75.10%
Return on Assets 0.60%
Return on Equity 7.35%