BlastPoint

BlastPoint's Banking Scorecard

Woodlands Bank

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

Williamsport, PA

8 branches across PA

2664 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

  • - Delinquency Rate 1.45% above tier average
  • - Nonperforming Asset Ratio 1.04% above tier average
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.52% below tier average
  • - Efficiency Ratio 0.66% above tier average
Get updates when Woodlands Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $633.4M
+3.3% YoY +2.8% QoQ
+$247.3M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
83%
Total Loans ? $433.1M
-0.5% YoY -0.1% QoQ
+$177.3M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
83%
Total Deposits ? $569.8M
+4.1% YoY +2.9% QoQ
+$241.8M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
Top 14.8% in tier
Return on Assets ? 1.12%
+52.7% YoY +24.8% QoQ
-0.15% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
45%
Net Interest Margin ? 3.41%
+12.6% YoY +6.0% QoQ
-0.52% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
27%
Efficiency Ratio ? 65.94%
-11.2% YoY -5.5% QoQ
+0.66% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
42%
Delinquency Rate ? 2.34%
+6.6% YoY -9.5% QoQ
+1.45% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
Bottom 9.4% in tier
Loan-to-Deposit Ratio ? 76.01%
-4.4% YoY -3.0% QoQ
-0.63% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
55%
Non-Interest-Bearing Deposit Share ? 27.52%
+2.0% YoY +1.2% QoQ
+5.50% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
75%
Nonperforming Asset Ratio ? 1.68%
+2.5% YoY -11.7% QoQ
+1.04% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
Bottom 9.4% in tier
Tier 1 Capital Ratio ? 11.83%
+8.1% YoY +3.1% QoQ
-4.00% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.21%
+4.1% YoY -74.7% QoQ
-0.07% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Top 12.9% in tier

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

345
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#345 of 2664 Top 12.9% in $100M-$1B
394
Total Deposits
size
Value: $569.77M
Peer Median: $327.97M
#394 of 2664 Top 14.8% in $100M-$1B
454
Total Assets
size
Value: $633.42M
Peer Median: $386.08M
#454 of 2664 Top 17.0% in $100M-$1B
459
Total Loans
size
Value: $433.06M
Peer Median: $255.72M
#459 of 2664 Top 17.2% in $100M-$1B

Top Weaknesses (2 metrics)

2406
Delinquency Rate
credit_quality
Value: 2.34%
Peer Median: 0.89%
#2406 of 2654 Bottom 9.4% in $100M-$1B
2415
Nonperforming Asset Ratio
credit_quality
Value: 1.68%
Peer Median: 0.64%
#2415 of 2664 Bottom 9.4% in $100M-$1B
Powered by BlastPoint © 2026