Bank Comparison
Arundel Bank vs Woodsboro Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 13
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| CET1 Ratio | — | 12.47% |
| Tier 1 Capital Ratio | — | 12.47% |
| Total Capital Ratio | — | 13.72% |
| Tier 1 Leverage Ratio | 14.99% | 8.76% |
| Equity / Assets | 13.57% | 6.97% |
Profitability
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| Return on Assets (ROA) | 0.07% | 1.13% |
| Return on Equity (ROE) | 0.48% | 16.54% |
| Net Interest Margin (NIM) | 2.32% | 4.04% |
| Yield on Earning Assets | 4.37% | 4.88% |
| Cost of Funds | 2.35% | 0.90% |
Asset quality
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| Texas Ratio | 3.10% | 0.88% |
| Non-Performing Loan Ratio | 0.42% | 0.10% |
| Non-Performing Asset Ratio | 0.39% | 0.07% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 0.59% | 1.18% |
Balance sheet
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| Total Assets | $474,117K | $469,634K |
| Total Deposits | $361,186K | $433,306K |
| Total Loans | $370,279K | $330,990K |
| Total Equity | $64,323K | $32,716K |
| Net Income (quarter) | $78 | $1,337K |
Liquidity & funding
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.52% | 76.39% |
| Core Deposit Ratio | 85.71% | 95.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Arundel Bank | Woodsboro Bank |
|---|---|---|
| Headquarters City | GLEN BURNIE | WOODSBORO |
| Headquarters State | MD | MD |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 702349 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 62 | 62 |
| Established | Jan. 1, 1906, midnight | May 1, 1899, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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