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Woodsboro Bank

$100M-$1B Specialty: Commercial MD FDIC cert 5873

Woodsboro, MD

5 branches across MD

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 16 in MD.
  • Deposits +4.9% year over year ($445.9M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 1.11%.
  • Efficiency ratio 62.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.18% 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 16 in MD
View $100M-$1B leaderboard (MD) →

Woodsboro Bank has 3 strengths but faces 3 concerns

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

  • + Net Interest Margin 0.25% above tier average
  • + Efficiency Ratio 1.93% below tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.6% in tier
  • - Credit Risk Growth: Bottom 20.7% in tier
  • - ROA 0.21% below tier average
Get updates when Woodsboro Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $483.3M
+5.4% YoY +2.9% QoQ
+$96.8M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $339.6M
+6.8% YoY +3.8% QoQ
+$81.3M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $445.9M
+4.9% YoY +2.9% QoQ
+$119.1M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.11%
+24.1% YoY -3.7% QoQ
-0.21% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.23%
+6.2% YoY +0.7% QoQ
+0.25% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 62.55%
-7.4% YoY -1.6% QoQ
-1.93% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.09%
+0.2% YoY -4.6% QoQ
-0.82% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 76.18%
+1.8% YoY +0.9% QoQ
-1.78% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 34.70%
-1.1% YoY +0.1% QoQ
+12.67% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Top 10.3% in tier
Nonperforming Asset Ratio ? 0.07%
+1.5% YoY -3.7% QoQ
-0.60% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 12.21%
+2.3% YoY -2.1% QoQ
-3.70% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.19%
-5.6% YoY +108.8% QoQ
-0.37% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
47%

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 (MD) National Avg Tier Percentile
Noninterest-Bearing 34.7%
-0.4pp YoY
0.0pp QoQ
 +12.6pp 22.1% 21.3% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 6.7%
-0.4pp YoY
+0.5pp QoQ
 -4.9pp 11.6% 8.9% 12.5% 30%
CRE 57.6%
+2.9pp YoY
+0.9pp QoQ
 +18.1pp 39.5% 50.0% 41.4% 82%
1-4 Family 35.6%
-2.4pp YoY
-1.4pp QoQ
 +3.0pp 32.6% 37.9% 31.3% 63%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.2% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 12.2%
+0.3pp YoY
-0.3pp QoQ
 -6.6pp 18.8% 16.4% 19.7% 19%
Leverage Ratio 8.8%
+0.6pp YoY
0.0pp QoQ
 -3.4pp 12.2% 13.0% 12.6% 9%
Total Capital Ratio 13.5%
+0.3pp YoY
-0.3pp QoQ
 -6.5pp 19.9% 17.5% 20.8% 21%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 68
-2 (-2.9%) YoY
+6 (+9.7%) QoQ
 +9 58 170 482 69%
Assets per Employee ($) $7.1M
+8.5% YoY
-6.2% QoQ
 -$410K $7.5M $9.4M $8.8M 54%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 18%
Allowance Coverage 12.53x
+3.7% YoY
+4.1% QoQ
 -11.63x 24.15x 46.66x 20.23x 84%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 15.9%
+0.4pp YoY
-0.7pp QoQ
 +3.7pp 12.2% 8.0% 11.6% 72%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.9% 1.7% 7%
Net Income ($, YTD) $2.6M
+30.4% YoY
— QoQ
 +$59K $2.6M $8.4M $40.4M 64%

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 (2)

Credit Quality Pressure

risk
#59 of 1256 • Bottom 4.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#195 of 936 • Bottom 20.7% 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 | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

272
Non-Interest-Bearing Deposit Share
funding
Value: 34.70%
Peer Median: 22.03%
#272 of 2643 Top 10.3% in $100M-$1B
631
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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