BlastPoint's Banking Scorecard
Woodlands Bank
Community
Specialty: Commercial
PA
FDIC cert 33136
Williamsport, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Woodlands Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.96% above tier
- - Nonperforming Asset Ratio 1.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$616.1M
+2.5% YoY
-2.4% QoQ
|
-$775.3M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$433.6M
-1.8% YoY
-0.4% QoQ
|
-$541.8M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$553.6M
+3.3% YoY
-3.0% QoQ
|
-$611.0M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.89%
+61.0% YoY
+5.5% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.22%
+16.6% YoY
+2.8% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
69.78%
-13.2% YoY
-1.2% QoQ
|
+7.14% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.59%
+22.4% YoY
-1.3% QoQ
|
+1.96% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
78.33%
-4.9% YoY
+2.7% QoQ
|
-4.74% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
27.19%
-0.7% YoY
+2.2% QoQ
|
+6.15% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.90%
+16.3% YoY
+0.8% QoQ
|
+1.40% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
11.47%
+7.4% YoY
+1.3% QoQ
|
+1.23% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.82%
+7.3% YoY
+37.4% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.59%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.90%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.19% · Tier avg: 21.05%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.47% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.33% · Tier avg: 83.06%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 69.78% · Tier avg: 62.63%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
21
21th pctile
Total Deposits
Current: $553.6M · Tier avg: $1.2B
20
20th pctile
Total Loans
Current: $433.6M · Tier avg: $975.5M
16
16th pctile
Total Assets
Current: $616.1M · Tier avg: $1.4B
7
7th pctile
Nonperforming Asset Ratio
Current: 1.90% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.63%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.90% · Tier avg: 0.50%
16
16th pctile
Total Assets
Current: $616.1M · Tier avg: $1.4B
20
20th pctile
Total Loans
Current: $433.6M · Tier avg: $975.5M
21
21th pctile
Total Deposits
Current: $553.6M · Tier avg: $1.2B
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
27
27th pctile
Efficiency Ratio
Current: 69.78% · Tier avg: 62.63%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.33% · Tier avg: 83.06%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.47% · Tier avg: 10.24%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.19% · Tier avg: 21.05%
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%