Woodlands National Bank (FDIC certificate #1417) is based in Hinckley, Minnesota. Its Q2 2026 call report shows $331.0M in total assets and $298.5M in deposits and 7 offices.
Woodlands National Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 167th. Problem-loan coverage contributes the most (89/100, 5.6%); earnings contributes the least (45/100, 0.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 57 |
| Q4 2024 | 55 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 60 |
| Q1 2026 | 63 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.15% |
| Q3 2024 | 10.05% |
| Q4 2024 | 10.11% |
| Q1 2025 | 10.94% |
| Q2 2025 | 11.01% |
| Q3 2025 | 10.92% |
| Q4 2025 | 11.02% |
| Q1 2026 | 11.60% |
| Q2 2026 | 11.20% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.57% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $331.0M | 11.20% | 1.42% | 0.63% | 40.1% |
| Q1 2026 | 63 | $314.4M | 11.60% | 1.47% | 0.64% | 42.6% |
| Q4 2025 | 60 | $312.2M | 11.02% | 1.65% | 0.65% | 43.6% |
| Q3 2025 | 64 | $324.7M | 10.92% | 1.06% | 0.63% | 43.1% |
| Q2 2025 | 62 | $318.3M | 11.01% | 1.15% | 0.50% | 44.8% |
| Q1 2025 | 61 | $315.4M | 10.94% | 1.25% | 0.41% | 44.8% |
| Q4 2024 | 55 | $316.2M | 10.11% | 1.80% | 0.59% | 47.6% |
| Q3 2024 | 57 | $349.3M | 10.05% | 1.57% | 0.53% | 43.3% |
| Q2 2024 | 61 | $338.0M | 10.15% | 1.12% | 0.59% | 45.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| The State Bank of FaribaultBank Faribault, MN | 71 out of 100, Strong | $329.2M | 9.3% | 0.13% | vs |
| Citizens Bank & Trust Co.Bank Hutchinson, MN | 69 out of 100, Moderate | $329.0M | 8.6% | 0.26% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| Reliance BankBank Faribault, MN | 65 out of 100, Moderate | $334.1M | 9.0% | 0.25% | vs |
| Farmers and Merchants State Bank of PierzBank Pierz, MN | 69 out of 100, Moderate | $336.2M | 9.3% | 1.03% | vs |
Deposit insurance
Is my money safe at Woodlands National Bank?
Yes. Woodlands National Bank is an FDIC-insured institution (FDIC certificate #1417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($88.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.94% (benchmark: 10%).
7 locations
Branches
Woodlands National Bank lists 7 offices in 6 cities. Most locations:
- Onamia, MN (2)
- Cloquet, MN (1)
- Hinckley, MN (1)
- Minneapolis, MN (1)
- Sturgeon Lake, MN (1)
- Zimmerman, MN (1)
HMDA 2025
Mortgage lending
In 2025, Woodlands National Bank reported 50 home-loan applications under HMDA (LEI 5493003QF1L7XNSWRM19): 26 originated ($5,240,000 total), 14 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Woodlands National Bank
- Former names
- Farmers and Merchants State Bank of Hinckley; Rural American Bank - Hinckley
- Type
- National bank
- FDIC certificate #
- 1417
- RSSD ID
- 980951
- Primary regulator
- OCC
- Holding company
- Mille Lacs Bcorp Inc
- Established
- October 1, 1908
- Headquarters
- 122 Main St E, Hinckley, MN 55037
- Employees
- 51
Quick answers
Woodlands National Bank: common questions
Is Woodlands National Bank FDIC insured?
Yes. Woodlands National Bank is an FDIC-insured institution (FDIC certificate #1417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Woodlands National Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Woodlands National Bank ever failed?
There is no failure record for FDIC certificate #1417 in the FDIC failed bank list.
How many branches does Woodlands National Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hinckley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Indianhead Credit UnionCredit union Spooner, WI | 86 out of 100, Very strong | $101.2M | 15.0% | 0.78% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| Northview BankBank Sandstone, MN | 74 out of 100, Strong | $469.7M | 10.8% | 0.46% | vs |
| Community Bank of CameronBank Cameron, WI | 73 out of 100, Strong | $226.9M | 9.0% | 0.53% | vs |
| Frandsen Bank & TrustBank Lonsdale, MN | 71 out of 100, Strong | $3.7B | 10.0% | 0.71% | vs |