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 | |