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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Williamsport, PA · FDIC certificate #33136
WOODLANDS BANK is an FDIC-insured institution based in Williamsport, PA (FDIC certificate #33136). In its Q3 2026 Call Report it reported total assets of $641M, total deposits of $582M and net loans of $445M. Its primary federal regulator is FED.
Plain-language readout
WOODLANDS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $641M in Q3 2026 and were lowest at $633M in Q1 2026.
Total deposits were highest at $582M in Q3 2026 and lowest at $570M in Q1 2026.
Over the whole period total assets rose 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $641M | $582M | $445M | 1.24% | 16.21% | 3.57% |
| Q2 2026 | $640M | $574M | $451M | 1.18% | 15.35% | 3.50% |
| Q1 2026 | $633M | $570M | $433M | 1.12% | 14.60% | 3.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.4M | $46.5M | -$11.1M | -23.8% |
| Federal funds sold | $4.5M | $4.5M | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $113.3M | $112.8M | +$509K | +0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $481K | $0K | +$481K | n/a |
| Net loans and leases (after allowance) | $450.2M | $433.1M | +$17.1M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.5M | $10.5M | -$27K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5K | $5K | $0K | 0.0% |
| All other assets | $25.9M | $26.1M | -$155K | -0.6% |
| Total assets | $640.3M | $633.4M | +$6.8M | +1.1% |
| Liabilities | ||||
| Total deposits | $574.2M | $569.8M | +$4.4M | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.1M | $10.1M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.0M | $5.6M | +$380K | +6.8% |
| Total liabilities | $590.2M | $585.4M | +$4.8M | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $7.3M | $7.3M | $0K | 0.0% |
| Surplus | $5.7M | $5.7M | $0K | 0.0% |
| Retained earnings | $44.5M | $42.9M | +$1.6M | +3.7% |
| Accumulated other comprehensive income | -$7.5M | -$7.9M | +$439K | +5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $50.0M | $48.0M | +$2.0M | +4.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $12.2M | $10.1M | +$2.1M | +20.6% |
| Adjusted nonperforming assets | $12.2M | $10.1M | +$2.1M | +20.6% |
| Tangible equity plus allowance | $55.3M | $54.2M | +$1.2M | +2.1% |
| Texas ratio (gross) | 22.08% | 18.70% | +3.38 pts | See points |
| Texas ratio (adjusted) | 22.08% | 18.70% | +3.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.73% | 11.83% | -0.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.73% | 11.83% | -0.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.11% | 1.25% | -0.15 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.83% | 13.08% | -0.25 pts | See points |
| Tier 1 leverage (approximate) | 8.86% | 8.93% | -0.07 pts | See points |
| Construction and land loans to total capital | 9.95% | 11.73% | -1.78 pts | See points |
| Commercial real estate to total capital | 139.89% | 138.05% | +1.84 pts | See points |
| Dividend payout, year to date | 30.93% | 42.80% | -11.87 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -16.45% | -17.90% | +1.45 pts | See points |
| Liquidity | ||||
| Core deposits | $559.2M | $554.0M | +$5.3M | +1.0% |
| Non-core funding | $25.0M | $25.9M | -$822K | -3.2% |
| Loans to core deposits | 81.44% | 79.29% | +2.16 pts | See points |
| Loans to deposits | 79.32% | 77.09% | +2.23 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 76.26% | 78.61% | -2.35 pts | See points |
| Loans pledged, share of loans | 0.26% | 0.28% | -0.01 pts | See points |
| Volatile liabilities | $25.0M | $25.9M | -$822K | -3.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.1M | +$2.4M | +113.6% |
| Earnings before provision, single quarter | $2.4M | $2.1M | +$292K | +13.6% |
| Provision for credit losses, year to date | $180K | $90K | +$90K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.62% | 5.46% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.29% | 3.14% | +0.15 pts | See points |
| Total interest income to average assets | 4.63% | 4.52% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 2.05% | 1.97% | +0.09 pts | See points |
| Cost of savings and money market deposits | 0.61% | 0.56% | +0.05 pts | See points |
| Cost of time deposits | 3.45% | 3.47% | -0.02 pts | See points |
| Total interest expense to average assets | 1.34% | 1.33% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $641M | $582M | $445M | 1.24% | 16.21% | 3.57% |
| 2026-06-30 | $640M | $574M | $451M | 1.18% | 15.35% | 3.50% |
| 2026-03-31 | $633M | $570M | $433M | 1.12% | 14.60% | 3.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $555.1M | 0.10% | 78 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.