Deerwood Bank (FDIC #5123): Bank Stress & Real-Estate Credit Exposure
Deerwood Bank (FDIC Cert #5123): bank stress 59/100, moderate, STABLE over 7 days; parent DEERWOOD BANCSHARES INC.
Deerwood Bank (#5123) lends in 9 counties across 1 state; Deerwood Bank (#5123) reaches 190 ZIP codes: Minnesota 9 counties, 190 ZIPs.
Deerwood Bank (#5123) largest markets: Stearns County, MN (66 branches, 33 ZIPs) (#5123), Itasca County, MN (30 branches, 30 ZIPs) (#5123), Ramsey County, MN (27 branches, 27 ZIPs) (#5123), Dakota County, MN (22 branches, 22 ZIPs) (#5123), Wright County, MN (19 branches, 19 ZIPs) (#5123), Crow Wing County, MN (72 branches, 18 ZIPs) (#5123).
Deerwood Bank (#5123) reports $1.52 billion in total assets; Deerwood Bank (#5123) equity $135.2 million (8.9% of Deerwood Bank (#5123) assets); Deerwood Bank (#5123) domestic deposits $1.38 billion; Deerwood Bank (#5123) net income $13.4 million; Deerwood Bank (#5123) return on assets 1.79%; Deerwood Bank (#5123) return on equity 20.33%; Deerwood Bank (#5123) net interest income $29.4 million; Deerwood Bank (#5123) call report June 30, 2026.
Deerwood Bank (#5123) noncurrent real-estate loans 0.01% of its book; Deerwood Bank (#5123) residential 0.02%; Deerwood Bank (#5123) net charge-offs on real estate 0.36%; Deerwood Bank (#5123) residential charge-offs 0.56%.
Deerwood Bank (#5123) net interest margin 4.14% against an eight-quarter Deerwood Bank (#5123) average of 4.26% (Deerwood Bank (#5123) compression 0.12 points); Deerwood Bank (#5123) real-estate loans 1.0% of equity; Deerwood Bank (#5123) non-residential real estate 56.1% of equity; Deerwood Bank (#5123) rate-exposure score 40/100, Deerwood Bank (#5123) fixed-rate trap 40/100; Deerwood Bank (#5123) risk type credit driven; Deerwood Bank (#5123) rate regime rates elevated, Deerwood Bank (#5123) snapshot October 19, 2026.
Deerwood Bank (#5123) stress score moved from 59.3 on June 22, 2026 to 58.7 on October 19, 2026; Deerwood Bank (#5123) ranged 58.7 to 59.3 over 116 snapshots.
Deerwood Bank (#5123) alerts: 8 counties; top Deerwood Bank (#5123) alert scores: Blackduck County, MN 22 (low); Garrison County, MN 22 (low); Grand Rapids County, MN 22 (low); Northome County, MN 22 (low); Ogema County, MN 22 (low).