Woodlands National Bank (FDIC #1417): Bank Stress & Real-Estate Credit Exposure

Woodlands National Bank (FDIC Cert #1417): bank stress 80/100, severe, STABLE over 7 days; parent MILLE LACS BCORP INC.

Woodlands National Bank (#1417) lends in 5 counties across 1 state; Woodlands National Bank (#1417) reaches 120 ZIP codes: Minnesota 5 counties, 120 ZIPs.

Woodlands National Bank (#1417) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#1417), Pine County, MN (32 branches, 16 ZIPs) (#1417), Carlton County, MN (15 branches, 15 ZIPs) (#1417), Mille Lacs County, MN (24 branches, 12 ZIPs) (#1417), Sherburne County, MN (9 branches, 9 ZIPs) (#1417).

Woodlands National Bank (#1417) reports $331.0 million in total assets; Woodlands National Bank (#1417) equity $30.6 million (9.3% of Woodlands National Bank (#1417) assets); Woodlands National Bank (#1417) domestic deposits $298.5 million; Woodlands National Bank (#1417) net income $1.0 million; Woodlands National Bank (#1417) return on assets 0.63%; Woodlands National Bank (#1417) return on equity 6.69%; Woodlands National Bank (#1417) net interest income $4.7 million; Woodlands National Bank (#1417) call report June 30, 2026.

Woodlands National Bank (#1417) noncurrent real-estate loans: none reported; Woodlands National Bank (#1417) net charge-offs on real estate 2.25%; Woodlands National Bank (#1417) residential charge-offs 1.38%.

Woodlands National Bank (#1417) net interest margin 3.14% against an eight-quarter Woodlands National Bank (#1417) average of 3.06% (Woodlands National Bank (#1417) compression -0.07 points); Woodlands National Bank (#1417) non-residential real estate 138.0% of equity; Woodlands National Bank (#1417) rate-exposure score 40/100, Woodlands National Bank (#1417) fixed-rate trap 40/100; Woodlands National Bank (#1417) risk type credit driven; Woodlands National Bank (#1417) rate regime rates elevated, Woodlands National Bank (#1417) snapshot October 19, 2026.

Woodlands National Bank (#1417) stress score moved from 78 on June 22, 2026 to 80.4 on October 19, 2026; Woodlands National Bank (#1417) ranged 78 to 80.4 over 116 snapshots.

Woodlands National Bank (#1417) alerts: 5 counties; top Woodlands National Bank (#1417) alert scores: Cloquet County, MN 26 (low); Minneapolis County, MN 26 (low); Onamia County, MN 26 (low); Sturgeon Lake County, MN 26 (low); Zimmerman County, MN 26 (low).