Woodsboro, MD · Cert 5873
State charter, non-member · FDIC · 5 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
68
Profitability
69
Liquidity
88
Efficiency
65
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.
Woodsboro, MD · Cert 5873
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.1% share · #39 of 71 inst. · $0.4B of $301.4B
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 | 0.73% | 0.85% | 0.98% | 0.90% | 0.95% | 0.97% | 1.16% | 1.11% | +22 bps | |
| Return on Equity | 14.26% | 16.38% | 17.23% | 15.47% | 15.89% | 15.75% | 16.54% | 15.86% | +39 bps | |
| Net Interest Margin | 3.16% | 3.27% | 3.66% | 3.62% | 3.63% | 3.69% | 3.88% | 3.86% | +24 bps | |
| Efficiency Ratio | 71.81% | 68.15% | 67.40% | 67.52% | 66.05% | 63.64% | 63.54% | 62.55% | -497 bps | |
| Non-Interest Burden | 2.16% | 2.09% | 2.33% | 2.31% | 2.26% | 2.20% | 2.33% | 2.27% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.96% | 6.41% | 4.96% | 3.54% | -0.25% | 3.90% | 5.91% | 5.41% | +187 bps | |
| Loan Growth (YoY) | 12.54% | 11.40% | 9.31% | 8.39% | 7.34% | 5.51% | 4.27% | 6.85% | -155 bps | |
| Deposit Growth (YoY) | 10.68% | 5.96% | 3.78% | 1.64% | -1.02% | 1.63% | 4.77% | 4.92% | +328 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.09% | 0.00% | 0.10% | 0.10% | 0.09% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.01% | 0.01% | 0.00% | -0.04% | -0.02% | -2 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.13% | 1.13% | 1.11% | 1.18% | 1.18% | 1.17% | +4 bps | |
| Allowance Coverage of NPLs | 34.9x | n/a | n/a | 12.1x | n/a | 11.8x | 12.0x | 12.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.55% | 7.87% | 8.21% | 8.19% | 8.33% | 8.54% | 8.76% | 8.77% | +58 bps | |
| Total Risk-Based Capital | 12.64% | 12.80% | 12.97% | 13.18% | 13.50% | 13.74% | 13.72% | 13.46% | +28 bps | |
| Equity / Assets | 5.47% | 5.49% | 5.89% | 6.00% | 6.50% | 7.01% | 6.97% | 7.08% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.39% | 75.83% | 76.75% | 75.69% | 76.33% | 78.73% | 76.39% | 77.08% | +139 bps | |
| Liquid Assets / Assets | 9.02% | 3.21% | 3.43% | 7.20% | 4.95% | 3.70% | 3.67% | 4.77% | -243 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 448% | 446% | n/a | n/a | |
Woodsboro, MD · Cert 5873 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.08%
Rank 289 of 629
Net Interest Margin
3.86%
Rank 207 of 629
Efficiency Ratio
62.55%
Rank 222 of 629
Equity / Assets
7.08%
Rank 591 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.60% | 1.01% | 1.45% | Beats 54% | 289 / 629 | ||
| Return on Equity | 15.28% | 5.38% | 9.30% | 13.28% | Beats 85% | 95 / 629 | ||
| Net Interest Margin | 3.86% | 3.03% | 3.54% | 4.05% | Beats 67% | 207 / 629 | ||
| Efficiency Ratio | 62.55% | 58.35% | 67.79% | 79.08% | Beats 65% | 222 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 74% | 151 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 222 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.21% | 11.24% | 13.84% | 18.77% | Beats 35% | 408 / 629 | ||
| Total Risk-Based Capital Ratio | 13.46% | 11.58% | 14.43% | 19.66% | Beats 42% | 363 / 629 | ||
| Equity / Assets | 7.08% | 9.09% | 10.65% | 13.80% | Beats 6% | 591 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.08% | 67.24% | 80.90% | 93.48% | 45th pctl | 329 / 594 | ||
| Loans / Assets | 71.10% | 53.31% | 67.71% | 78.15% | 57th pctl | 273 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||