Bank Comparison
Woodsboro Bank vs Seamens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| CET1 Ratio | 12.47% | — |
| Tier 1 Capital Ratio | 12.47% | — |
| Total Capital Ratio | 13.72% | — |
| Tier 1 Leverage Ratio | 8.76% | 12.42% |
| Equity / Assets | 6.97% | 12.40% |
Profitability
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| Return on Assets (ROA) | 1.13% | 0.72% |
| Return on Equity (ROE) | 16.54% | 5.88% |
| Net Interest Margin (NIM) | 4.04% | 3.88% |
| Yield on Earning Assets | 4.88% | 5.24% |
| Cost of Funds | 0.90% | 1.50% |
Asset quality
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| Texas Ratio | 0.88% | 2.01% |
| Non-Performing Loan Ratio | 0.10% | 0.34% |
| Non-Performing Asset Ratio | 0.07% | 0.26% |
| Net Charge-Off Ratio | -0.04% | -0.02% |
| ACL / Loans | 1.18% | 0.60% |
Balance sheet
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| Total Assets | $469,634K | $469,291K |
| Total Deposits | $433,306K | $404,711K |
| Total Loans | $330,990K | $359,711K |
| Total Equity | $32,716K | $58,187K |
| Net Income (quarter) | $1,337K | $853 |
Liquidity & funding
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.39% | 88.88% |
| Core Deposit Ratio | 95.59% | 87.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Woodsboro Bank | Seamens Bank |
|---|---|---|
| Headquarters City | WOODSBORO | PROVINCETOWN |
| Headquarters State | MD | MA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 62 | 72 |
| Established | May 1, 1899, midnight | April 14, 1851, 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 . 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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