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Woodlands Bank
Williamsport, PA · FDIC Certificate #33136 · Chartered 10/1
Total assets
$640.26M
Total deposits
$574.22M
Total equity
$50.02M
Net loans
$450.64M
Branches (offices)
8
Net income (YTD)
$3.72M
Rank: #1,478 of 4,213 U.S. banks by assets · #60 of 109 in Pennsylvania. Assets changed 3.6% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 15.35% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 7.81% |
| Tier 1 leverage ratio | 8.86% |
| Uninsured deposits (share of deposits) | 24.2% |
| Noncurrent loans (share of loans) | 2.68% |
| Net charge-offs (share of loans) | 0.44% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $378.37M | 84.0% | |
| Commercial & industrial | $56.10M | 12.4% | |
| Consumer / individual | $5.44M | 1.2% | |
| Construction & development | $6.26M | 1.4% | |
| Agricultural | $237.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $568.17M | $522.80M | $2.66M | $42.18M |
| Jun 2023 | $610.41M | $532.27M | $2.50M | $42.17M |
| Jun 2024 | $614.41M | $523.64M | $1.26M | $36.99M |
| Jun 2025 | $618.03M | $555.09M | $2.46M | $42.84M |
| Jun 2026 | $640.26M | $574.22M | $3.72M | $50.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $574.22M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $574.22M.
Similar-sized banks
Spring Bank ($640.95M) · Trustbank ($640.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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