WOODSBORO BANK

WOODSBORO, MD | Small | Est. May 1, 1899, midnight | FDIC #5873 | RSSD #406022 | FDIC
Latest Report: 2025-12-31

WOODSBORO BANK is asn small FDIC-insured commercial bank headquartered in WOODSBORO, MD, established in May 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $456M and total deposits of $418M. Profitability stands at 1.04% ROA and 15.41% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 12.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.91%. FDIC Certificate #5873.

Assets

$456M

Deposits

$418M

Loans

$329M

Equity

$32M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 15.41%
Net Interest Margin (NIM) 4.38%
Yield on Assets 5.34%
Cost of Funds 0.95%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.91%
NPA Ratio 0.07%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 12.49%
Tier 1 Capital 12.49%
Total Capital Ratio 13.74%
Leverage Ratio 8.54%
Loan-to-Deposit 78.73%

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