Williamsport, PA · Cert 33136 · Woodlands Finl Services Co.
State charter, Fed member · FED · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
7
Profitability
55
Liquidity
94
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Williamsport, PA · Cert 33136 · Woodlands Finl Services Co.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Williamsport, PA · 2026 SOD (annual) · 17.9% share · #1 of 10 inst. · $0.5B of $3.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.56% | 0.73% | 0.81% | 0.85% | 0.89% | 1.12% | 1.18% | +38 bps | |
| Return on Equity | 7.89% | 8.91% | 10.96% | 11.93% | 12.34% | 12.71% | 14.60% | 15.35% | +343 bps | |
| Net Interest Margin | 2.41% | 2.51% | 2.78% | 2.76% | 2.80% | 2.87% | 3.19% | 3.18% | +42 bps | |
| Efficiency Ratio | 82.08% | 80.37% | 74.22% | 72.00% | 70.62% | 69.78% | 65.94% | 65.01% | -699 bps | |
| Non-Interest Burden | 1.84% | 1.87% | 1.86% | 1.76% | 1.75% | 1.76% | 1.82% | 1.77% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | -1.88% | 0.67% | 0.59% | 1.74% | 2.53% | 3.26% | 3.60% | +301 bps | |
| Loan Growth (YoY) | 2.27% | 1.78% | -0.23% | -3.12% | -2.09% | -1.58% | -0.33% | 3.91% | +703 bps | |
| Deposit Growth (YoY) | 1.75% | 4.45% | 4.51% | 6.01% | 5.91% | 3.30% | 4.12% | 3.45% | -256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.65% | 2.09% | 2.17% | 2.17% | 2.58% | 2.55% | 2.31% | 2.68% | +51 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | -0.04% | -0.03% | 0.00% | 0.04% | 0.43% | +47 bps | |
| Allowance / Loans | 1.19% | 1.20% | 1.26% | 1.33% | 1.36% | 1.39% | 1.41% | 1.17% | -16 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.6x | 0.5x | 0.5x | 0.6x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.00% | 8.22% | 8.43% | 8.41% | 8.44% | 8.57% | 8.93% | 8.86% | +44 bps | |
| Total Risk-Based Capital | 11.53% | 11.83% | 12.14% | 12.42% | 12.58% | 12.72% | 13.08% | 12.83% | +41 bps | |
| Equity / Assets | 6.54% | 6.59% | 6.74% | 6.93% | 7.19% | 7.71% | 7.58% | 7.81% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.64% | 83.37% | 80.53% | 79.05% | 77.33% | 79.43% | 77.09% | 79.41% | +35 bps | |
| Liquid Assets / Assets | 0.83% | 0.88% | 3.36% | 3.92% | 4.93% | 3.91% | 6.80% | 4.98% | +106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 306% | 296% | n/a | n/a | |
Williamsport, PA · Cert 33136 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Woodlands Finl Services Co.
State charter, Fed member · FED · 8 branches
Q2 2026
Return on Assets
1.16%
Rank 315 of 746
Net Interest Margin
3.18%
Rank 556 of 746
Efficiency Ratio
65.01%
Rank 382 of 746
Equity / Assets
7.81%
Rank 657 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.72% | 1.06% | 1.45% | Beats 58% | 315 / 746 | ||
| Return on Equity | 14.89% | 6.74% | 10.51% | 13.63% | Beats 82% | 134 / 746 | ||
| Net Interest Margin | 3.18% | 3.17% | 3.68% | 4.16% | Beats 25% | 556 / 746 | ||
| Efficiency Ratio | 65.01% | 55.74% | 64.58% | 75.47% | Beats 49% | 382 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.68% | 0.09% | 0.42% | 1.07% | Beats 7% | 691 / 743 | ||
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.01% | 0.05% | Beats 7% | 689 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 11.55% | 13.75% | 17.60% | Beats 28% | 538 / 746 | ||
| Total Risk-Based Capital Ratio | 12.83% | 11.71% | 14.33% | 18.43% | Beats 35% | 486 / 746 | ||
| Equity / Assets | 7.81% | 8.90% | 10.51% | 13.06% | Beats 12% | 657 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.41% | 61.31% | 78.27% | 90.78% | 52nd pctl | 359 / 746 | ||
| Loans / Assets | 71.21% | 53.60% | 66.97% | 76.08% | 60th pctl | 299 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||