Woodsboro Bank
Woodsboro, MD · Cert 5873 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 5 branches
Q2 2026
$483.3MAssets
$343.7MLoans
$445.9MDeposits
$34.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 85% of banks under $1B in assets (rank 95 of 629).
- Widest gap: equity / assets trails 94% of banks under $1B in assets (rank 591 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 65% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |