WOODSBORO BANK
WOODSBORO BANK is an FDIC-insured commercial bank headquartered in WOODSBORO, MD, established in 1899. As of , 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 4.05%. CET1 capital ratio: 12.49%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.91%. Operates 5 domestic branches.
Capital & Liquidity
This is just the summary.
The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.
No credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Woodsboro Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.49% | 1.04% | 0.10% | 0.91% | 4.05% |
| 2025-09-30 | 12.25% | 1.05% | 0.00% | 0.00% | 3.92% |
| 2025-06-30 | 11.93% | 0.82% | 0.00% | 0.00% | 3.81% |
| 2025-03-31 | 11.72% | 0.98% | 0.00% | 0.00% | 3.81% |
| 2024-12-31 | 11.55% | 1.18% | 0.02% | 0.23% | 3.68% |
| 2024-09-30 | 11.45% | 0.82% | 0.05% | 0.57% | 3.44% |
| 2024-06-30 | 11.15% | 0.65% | 0.25% | 2.93% | 3.38% |
| 2024-03-31 | 11.41% | 0.72% | 0.04% | 0.43% | 3.36% |
Similar banks
Frequently asked about WOODSBORO BANK
What are Woodsboro Bank's total assets?
As of the Q4 2025 filing, Woodsboro Bank reported total assets of $455.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Woodsboro Bank headquartered?
Woodsboro Bank is headquartered in WOODSBORO, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Woodsboro Bank founded?
Woodsboro Bank was established in 1899, per the FDIC institution directory.
Is Woodsboro Bank FDIC-insured?
Yes. Woodsboro Bank is an FDIC-insured commercial bank (FDIC Certificate #5873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodsboro Bank?
Woodsboro Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Woodsboro Bank's CET1 capital ratio?
Woodsboro Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.49% in its most recent quarterly filing — above regulatory minimums.
How many branches does Woodsboro Bank operate?
Woodsboro Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Woodsboro Bank's Texas Ratio?
Woodsboro Bank's Texas Ratio is 0.91% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.