BlastPoint's Banking Scorecard

Woodlands Bank

$100M-$1B Specialty: Commercial PA FDIC cert 33136

Williamsport, PA

8 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +3.4% year over year ($574.2M on the books).
Delinquency rate 2.71%.
Return on assets 1.18%.
Efficiency ratio 65.01% vs a 64.48% peer average.
Loan-to-deposit ratio 78.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

Woodlands Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 40.8% in tier
- Nonperforming Asset Ratio 1.32% above tier average
- ROA 0.14% below tier average
- Net Interest Margin 0.48% below tier average
- Efficiency Ratio 0.54% above tier average

Get updates when Woodlands Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$640.3M +3.6% YoY +1.1% QoQ	+$253.7M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$450.6M +4.1% YoY +4.1% QoQ	+$192.3M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$574.2M +3.4% YoY +0.8% QoQ	+$247.5M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 14.1% in tier
Return on Assets ?	1.18% +46.8% YoY +6.0% QoQ	-0.14%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.50% +14.6% YoY +2.6% QoQ	-0.48%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	65.01% -9.7% YoY -1.4% QoQ	+0.54%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	2.71% +23.1% YoY +15.9% QoQ	+1.79%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	Bottom 7.5% in tier
Loan-to-Deposit Ratio ?	78.48% +0.6% YoY +3.3% QoQ	+0.53%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	28.57% +5.9% YoY +3.8% QoQ	+6.54%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	1.99% +22.3% YoY +18.3% QoQ	+1.32%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	Bottom 7.2% in tier
Tier 1 Capital Ratio ?	11.73% +5.0% YoY -0.8% QoQ	-4.18%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.43% +6.4% YoY +109.1% QoQ	-0.13%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 12.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	28.6% +1.6pp YoY +1.0pp QoQ	+6.4pp	22.1%	18.7%	22.2%	78%
Brokered Deposits	n/a	n/a	7.9%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	12.4% -1.3pp YoY -1.0pp QoQ	+0.9pp	11.6%	8.6%	12.5%	66%
CRE	39.4% +1.7pp YoY +1.2pp QoQ	-0.2pp	39.5%	37.9%	41.4%	52%
1-4 Family	41.8% -0.7pp YoY -0.7pp QoQ	+9.2pp	32.6%	47.8%	31.3%	73%
Consumer	1.2% +0.4pp YoY +0.2pp QoQ	-2.9pp	4.1%	3.8%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	11.7% +0.6pp YoY -0.1pp QoQ	-7.1pp	18.8%	22.3%	19.7%	14%
Leverage Ratio	8.9% +0.4pp YoY -0.1pp QoQ	-3.3pp	12.2%	13.2%	12.6%	10%
Total Capital Ratio	12.8% +0.4pp YoY -0.2pp QoQ	-7.1pp	19.9%	23.3%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	111 +7 (+6.7%) YoY +4 (+3.7%) QoQ	+52	58	299	482	90%
Assets per Employee ($)	$5.8M -2.9% YoY -2.6% QoQ	-$1.8M	$7.5M	$9.2M	$8.8M	28%
Branch Count	8 0 YoY 0 QoQ	+3	4	20	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	2.8% +0.5pp YoY +0.4pp QoQ	+1.9pp	0.9%	0.9%	1.0%	93%
Allowance Coverage	0.44x -28.9% YoY -28.6% QoQ	-23.72x	24.15x	3.63x	20.23x	8%
Net Charge-off Rate (YTD)	0.4% +0.5pp YoY +0.4pp QoQ	+0.3pp	0.1%	0.1%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	15.3% +3.4pp YoY +0.8pp QoQ	+3.2pp	12.2%	10.2%	11.6%	70%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	32%
Net Income ($, YTD)	$3.7M +51.4% YoY — QoQ	+$1.2M	$2.6M	$18.2M	$40.4M	78%

Get Full Access to Woodlands Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#383 of 936 • Bottom 40.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

327

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.57%

#327 of 2643 Top 12.3% in $100M-$1B

374

Total Deposits

size

Value: $574.22M

Peer Median: $326.73M

#374 of 2643 Top 14.1% in $100M-$1B

422

Total Loans

size

Value: $450.64M

Peer Median: $258.35M

#422 of 2643 Top 15.9% in $100M-$1B

437

Total Assets

size

Value: $640.26M

Peer Median: $386.57M

#437 of 2643 Top 16.5% in $100M-$1B

592

Non-Interest-Bearing Deposit Share

funding

Value: 28.57%

Peer Median: 22.03%

#592 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (2 metrics)

2453

Nonperforming Asset Ratio

credit_quality

Value: 1.99%

Peer Median: 0.67%

#2453 of 2643 Bottom 7.2% in $100M-$1B

2437

Delinquency Rate

credit_quality

Value: 2.71%

Peer Median: 0.92%

#2437 of 2633 Bottom 7.5% in $100M-$1B