Woodlands Bank
Total assets
$640.3M
▲ +3.6% YoY
Deposits
$574.2M
▲ +3.4% YoY
Loans
$450.6M
▲ +4.1% YoY
Offices
8
WOODLANDS FINL SERVICES CO
ROA (annualized)
1.18%
peers 1.28%
ROE (annualized)
15.35%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Woodlands Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.9% | -1.3 pts |
| Deposit growth (YoY) | +3.5% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +4.1% | +5.3% | -1.3 pts |
| ROA | 1.18% | 1.28% | -0.1 pts |
| ROE | 15.3% | 12.4% | +2.9 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 1990
- Charter
- State
- Primary regulator
- FED
- Holding company
- WOODLANDS FINL SERVICES CO
- Specialization
- Commercial Lending Specialization
- Address
- 2450 E 3rd St, Williamsport, PA, 17701
- County
- Lycoming
- Metro area
- Williamsport, PA
- Offices
- 8
- FDIC cert #
- 33136
- RSSD ID
- 1479470
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $640.3M | $574.2M | $450.6M | $50.0M | $3.7M | 1.18% | 3.50% | 1.99% |
| Q1 2026 | $633.4M | $569.8M | $433.1M | $48.0M | $1.7M | 1.12% | 3.41% | 1.68% |
| Q4 2025 | $616.1M | $553.6M | $433.6M | $47.5M | $5.5M | 0.89% | 3.22% | 1.90% |
| Q3 2025 | $631.1M | $570.8M | $435.4M | $45.4M | $3.9M | 0.85% | 3.13% | 1.89% |
| Q2 2025 | $618.0M | $555.1M | $433.0M | $42.8M | $2.5M | 0.81% | 3.06% | 1.62% |
| Q1 2025 | $613.4M | $547.2M | $435.1M | $41.3M | $1.1M | 0.73% | 3.03% | 1.64% |
| Q4 2024 | $600.9M | $535.9M | $441.4M | $39.6M | $3.4M | 0.56% | 2.76% | 1.63% |
| Q3 2024 | $620.3M | $539.0M | $445.5M | $40.6M | $2.2M | 0.49% | 2.67% | 1.28% |
Loan mix (Q2 2026): real estate $378.4M · commercial $56.1M · consumer $5.4M · securities $113.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Woodlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.89% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 61.2% | 62th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Woodlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Woodlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Woodlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Woodlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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