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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.76% | 0.73% | 0.88% | 0.93% | 1.02% | 1.12% | 1.24% | +37 bps | |
| Return on Equity | 10.11% | 11.58% | 10.96% | 12.84% | 13.18% | 13.74% | 14.60% | 16.17% | +332 bps | |
| Net Interest Margin | 2.52% | 2.72% | 2.78% | 2.80% | 2.99% | 3.12% | 3.19% | 3.29% | +50 bps | |
| Efficiency Ratio | 77.40% | 75.65% | 74.22% | 69.86% | 68.04% | 67.48% | 65.94% | 64.16% | -570 bps | |
| Non-Interest Burden | 1.78% | 1.88% | 1.86% | 1.70% | 1.78% | 1.84% | 1.82% | 1.79% | +9 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 | 0.00% | -0.01% | 0.01% | -0.09% | 0.01% | 0.06% | 0.04% | 0.83% | +93 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 | |