Woodlands Bank
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
$640.3MAssets
$456.0MLoans
$574.2MDeposits
$50.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets operating in a single state (rank 134 of 746).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 689 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.5M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | 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 |