RiverWood Bank, National Association
Baxter, MN
IDRSSD: 685779
Total Assets
$657.66M
Latest filing
Total Deposits
$591.49M
Latest filing
Net Interest Margin
3.60%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56425 |
| State and County Number | 27035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Brainerd, MN |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/13/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 27932 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $657.66M |
| Total Deposits | $591.49M |
| Total Liabilities | $605.85M |
| Total Equity Capital | $51.82M |
| Net Income | $1.65M |
| Net Loans and Leases | $513.57M |
| Assets Per Employee ($Millions) | $6.92M |
| Bank Premises and Fixed Assets | $13.79M |
| Cash and Balances due from Depository Institutions | $31.44M |
| Deposits Held in Domestic Offices | $591.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 13.12% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 63.79% |
| Tier 1 Risk-Based Capital Ratio | 10.995% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.879% |
| Earning Assets to total Assets | 93.87% |
Income and Expense
| Total Interest Income | $8.92M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $3.45M |
| Total Noninterest Expense | $4.16M |
| Net Interest Income | $5.47M |
| Pre-tax Net Operating Income | $2.18M |
| Provision for Credit Losses | $183.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.36M |
| Total Liabilities and Capital | $657.66M |
Securities
| Securities | $77.15M |
| Available-for-sale debt securities | $77.06M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of RiverWood Bank, National Association?
$657.66M as of the latest filing.
How much are RiverWood Bank, National Association's total deposits?
$591.49M in total deposits.
Where is RiverWood Bank, National Association located?
Baxter, MN.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$513.57M (latest filing).
What is the total interest income (latest filing)?
$8.92M.