What are the current interest rates at Woodland Bank?

Current rates for Woodland Bank include: 12-Month CD: 2.50%, 18-Month CD: 1.50%, 24-Month CD: 2.50%, 36-Month CD: 2.00%, 48-Month CD: 2.25%, 60-Month CD: 2.50%, Savings: 0.20%, MMA: 0.10%

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Woodland Bank Rates & Review October 2026

Q: How many branches does Woodland Bank operate?

Woodland Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Woodland Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Woodland Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Woodland Bank's top rates as of October 14, 2026 are 2.50% APY on its 12-Months Certificate of Deposit - 12-Month, 0.20% APY on savings, 0.10% APY on money market accounts, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other Woodland Bank CD rates include 24-Months Certificate of Deposit - 24-Month at 2.50%, 60-Months Certificate of Deposit - 60-Month at 2.50%, and IRA 5 Year Term at 2.50%. MonitorBankRates evaluates the financial stability of Woodland Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.40%. Rates last updated and verified on 10/14/2026.

Woodland Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Woodland Bank? Share your experience about Woodland Bank by leaving a review below, or read customer reviews before you decide to use Woodland Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.40%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Woodland Bank

217 Main Ave E
Deer River, MN 56636

https://www.woodland.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Woodland Bank CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 12 month	2.48%	2.50%	12 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 24 month	2.48%	2.50%	24 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 60 month	2.48%	2.50%	60 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
IRA 5 Year Term	2.48%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 48 month	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 36 month	1.99%	2.00%	36 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
IRA 3 Year Term	1.99%	2.00%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 18 month	1.49%	1.50%	18 Months
Min Deposit $500 Min Balance $500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 180 Day	0.75%	0.75%	180 Day
Min Deposit $2,500 Min Balance $2,500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 90 Day	0.50%	0.50%	90 Day
Min Deposit $2,500 Min Balance $2,500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Certificate of Deposit - 30 Day	0.08%	0.09%	30 Day
Min Deposit $2,500 Min Balance $2,500 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%

Woodland Bank Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.20%	0.20%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000.01 and over Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.01 to $5,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Christmas Club Account (a, b, c, d, e, f)	0.05%	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $1 Min Balance $1 Details Balance: $2,000 and under Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Home Improvement Club Account (a, b, c, d, e, i)	0.05%	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Passbook Savings (b, c, d, e)	0.05%	0.05%
Min Deposit $100 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
School Club Account (a, b, c, d, e, g)	0.05%	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Vacation Club Account (a, b, c, d, e, h)	0.05%	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Prestige Club Account	0.02%	0.02%
Min Deposit $1 Min Balance $1 Details Checking Accounts; footnotes b, c, d: fee could reduce earnings; ask us for further information; interest rate and APY may change after account opening Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%

Woodland Bank Money Market Rates

Product	Rate	APY
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $24,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%

Woodland Bank Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	3.928%	4.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $50,000; Qualifying balance up to $50,000.00; Have at least 10 debit card purchases post and settle; Be enrolled and receive eStatement notice; Have at least 1 automatic payment (ACH) transaction post and settle Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Woodland Easy Checking	2.47%	2.50%
Min Deposit $30,000 Min Balance $90,000 Details Balance: $90,000 and over; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 2.50% ▲ 2.40 pts · high 2.50% / low 0.10% Oct 14, 20262.50%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Woodland Easy Checking	0.75%	0.75%
Min Deposit $30,000 Min Balance $30,000 Details Balance: $30,000 to $89,999.99; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.75% ▲ 0.65 pts · high 0.75% / low 0.10% Oct 14, 20260.75%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Free Kasasa Cash Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $24,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 14, 20260.10%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investors Choice Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $24,999; Minimum Balance to Obtain APY: $1.00; Tier 2 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investors Choice Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $99,999; Minimum Balance to Obtain APY: $1.00; Tier 3 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investors Choice Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over; Minimum Balance to Obtain APY: $1.00; Tier 4 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Woodland Easy Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $24,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Free Kasasa Cash Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investors Choice Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14,999; Minimum Balance to Obtain APY: $1.00; Tier 1 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Woodland Easy Checking	0.05%	0.05%
Min Deposit $30,000 Min Balance $30,000 Details Balance: $29,999.99 and under; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 28, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Woodland Easy Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14,999; Minimum Balance to Obtain APY: $1.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 28, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%

Woodland Bank Other Rates

Product	Rate	Points	APY/APR	Term
Free Kasasa Saver Savings	0.99%	-	1.00%
Min Balance $0 Details Qualifications Required; Balance: $0 - $9,999,999.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investor's Choice Account	2.47%	-	2.50%
Min Deposit $30,000 Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investor's Choice Account	0.75%	-	0.75%
Min Deposit $30,000 Min Balance $30,000 Details Balance: $30,000 to $89,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Investor's Choice Account	0.05%	-	0.05%
Min Deposit $30,000 Min Balance $1 Details Balance: $29,999.99 and under Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
IRA Variable	0.85%	-	0.85%
Min Deposit $10 Min Balance $10 Details Penalty may be imposed for early withdrawal; Fee could reduce the earnings on these accounts; Ask us for further information about these accounts; The interest rate and annual percentage yield may change after account opening Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 12 Months Savings	2.48%	-	2.50%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 18 Months Savings	1.49%	-	1.50%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 180 Day Savings	0.75%	-	0.75%	180 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 24 Months Savings	2.48%	-	2.50%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 30 Day Savings	0.08%	-	0.09%	30 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.09% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 36 Months Savings	1.99%	-	2.00%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 48 Months Savings	2.23%	-	2.25%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 60 Months Savings	2.48%	-	2.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver Certificate of Deposit - 90 Day Savings	0.50%	-	0.50%	90 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver IRA 3 Year Term Savings	1.99%	-	2.00%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Individual Retirement Account (IRA); Penalty may be imposed for early withdrawal; Fee could reduce the earnings; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver IRA 5 Year Term Savings	2.48%	-	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Individual Retirement Account (IRA); Penalty may be imposed for early withdrawal; Fee could reduce the earnings; Ask us for further information about these accounts Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%
Kasasa Saver IRA Variable Savings	0.85%	-	0.85%
Min Deposit $10 Min Balance $10 Details Individual Retirement Account (IRA); Penalty may be imposed for early withdrawal; Fee could reduce the earnings; The interest rate and annual percentage yield may change after account opening Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Woodland Bank’s Texas Ratio rose from 3.91% in Q3 2023 to 14.40% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$177M	14.40%	5.0	A-
March 31, 2026	$172M	7.87%	5.0	A
December 31, 2025	$168M	8.41%	5.0	A
September 30, 2025	$169M	9.18%	5.0	A
June 30, 2025	$166M	4.48%	5.0	A+
March 31, 2025	$160M	3.89%	5.0	A+
December 31, 2024	$159M	2.26%	5.0	A+
September 30, 2024	$158M	4.60%	5.0	A+
June 30, 2024	$156M	2.74%	5.0	A+
March 31, 2024	$150M	4.71%	5.0	A+
December 31, 2023	$147M	3.48%	5.0	A+
September 30, 2023	$149M	3.91%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Woodland Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Woodland Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Woodland Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Woodland Bank

Website https://www.woodland.bank

Address 217 Main Ave E, Deer River, MN 56636 · Itasca

Bank Holding Company REMER BCORP INC

FDIC Certificate # 8863

Regulator FDIC

Established January 1, 1920

FDIC Insurance Date January 1, 1934

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.40%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0056%

Return on Equity (ROE)

12.1900%

Non-Performing Loans Ratio (NPL)

1.18%

Total Assets

$177,492,000

Total Deposits

$151,971,000

Equity Capital

$14,503,000

Net Income

$867,000

Headquarters

Deer River

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Woodland Bank earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Woodland Bank

How many branches does Woodland Bank operate?

Woodland Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Woodland Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Woodland Bank provides members with tools to manage their accounts and build a solid financial history.

Does Woodland Bank offer online and mobile banking?

Most modern institutions like Woodland Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.woodland.bank.