Woodlands Bank
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Data as of · sourced from FFIEC call reports. How we update
Woodlands Bank is an FDIC-insured commercial bank headquartered in Williamsport, PA, established in 1990 (FDIC certificate 33136), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $640.3M, up 3.6% from Q2 2025, the 60th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 11.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33136
- Headquarters
- Williamsport, PA
- Established
- 1990
- Total assets, Q2 2026
- $640.3M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 11.73%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 031302528
- Latest call report
- Q2 2026, FFIEC 051 · Woodlands Bank call report
- Holding company
- WOODLANDS FINANCIAL SERVICES COMPANY
- Asset rank in state
- 60th of 109 in Pennsylvania
Problem loans are rising at Woodlands Bank. Based in Williamsport, Pennsylvania, it had $640 million in assets at June 30, 2026, up 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.68% of loans from 2.17% a year earlier. It carries problem assets equal to 22.1% of the capital and reserves that would absorb them, 8.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 8.86% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.0 million, 47% above the same quarter a year earlier. Its $64 million non-owner-occupied commercial real estate book is improving, with 5.37% past due or on nonaccrual, down from 13.18% a year earlier.
As of June 30, 2026, Woodlands Bank reported a CET1 capital ratio of 11.73%, a return on assets of 1.22%, a nonperforming-loan ratio of 2.68% and a Texas ratio of 22.08%. The figures come from its call report filed with the FFIEC.
Woodlands Bank ranks as the 60th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $640.3M, loans rose 3.8% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.3% of total loans, followed by owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities in PA; its Williamsport 4 offices book 75% of its branch deposits. On its Q2 2026 call report, Woodlands Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2450 E 3rd St, Williamsport, PA 17701
- County
- Lycoming
- Metro Area
- Williamsport, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 10, 1990
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $574.2M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $988K
- Average total assets
- $649.2M
- Average total loans
- $447.0M
- Average interest-bearing deposits
- $413.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 10, 1990
- FDIC Cert
- 33136
- Fed RSSD
- 1479470
- SEC CIK
- 1805759 → filed by WOODLANDS FINANCIAL SERVICES COMPANY
- Website
- www.woodlandsbank.com →
- Parent Holding Company
- WOODLANDS FINANCIAL SERVICES COMPANY (RSSD 3014950)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Woodlands Bank's total assets ranged from $600.9M (Q4 2024) to $640.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$640.3M total assets against $618.0M; $590.2M total liabilities against $575.2M.
$450.6M net loans and leases against $433.0M; $574.2M total deposits against $555.1M.
$113.3M securities against $109.1M; $39.9M cash and balances due against $38.3M.
$7.5M total interest income against $6.9M; $2.2M total interest expense against $2.5M.
$5.3M net interest income against $4.4M.
$1.5M total noninterest income against $1.3M; $4.4M total noninterest expense against $4.0M.
$90K provision for credit losses against $180K.
$2.0M net income against $1.4M.
1.22% return on assets against 0.86%; 3.50% net interest margin against 3.01%.
11.73% CET1 capital ratio against 11.17%; 8.86% tier 1 leverage ratio against 8.41%.
Inside the full Woodlands Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWoodlands Bank rankings
Its closest position to the top of a national ranking is 129 of 3,640, for Texas Ratio; its furthest is 1,799 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.22% (Q2 2026) and its net interest margin ran from 2.72% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 1.22% | 2.68% | 22.08% | 3.50% |
| Q1 2026 | 11.83% | 1.11% | 2.31% | 18.70% | 3.39% |
| Q4 2025 | 11.47% | 1.00% | 2.55% | 20.91% | 3.32% |
| Q3 2025 | 11.33% | 0.91% | 2.58% | 22.20% | 3.20% |
| Q2 2025 | 11.17% | 0.86% | 2.17% | 19.60% | 3.01% |
| Q1 2025 | 10.94% | 0.72% | 2.17% | 20.37% | 2.99% |
| Q4 2024 | 10.68% | 0.75% | 2.09% | 20.73% | 2.94% |
| Q3 2024 | 10.40% | 0.62% | 1.65% | 16.17% | 2.72% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Woodlands Bank (main office) | Williamsport , PA | 17701 | $223.6M |
| 213 West Fourth Street Branch | Williamsport , PA | 17701 | $92.5M |
| West Southern Avenue Branch | Williamsport , PA | 17702 | $59.5M |
| Newberry Office Branch | Williamsport , PA | 17701 | $56.9M |
| Halls Station Office Branch | Pennsdale , PA | 17756 | $43.8M |
| Lock Haven Office Branch | Lock Haven , PA | 17745 | $37.9M |
| Jersey Shore Office Branch | Jersey Shore , PA | 17740 | $35.7M |
| Hughesville Office Branch | Hughesville , PA | 17737 | $24.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 75 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 82 loans originated, $16.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.0M approved, $207K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Woodlands Bank
What are Woodlands Bank's total assets?
As of the Q2 2026 filing, Woodlands Bank reported total assets of $640.3 million in its FFIEC call report.
Where is Woodlands Bank headquartered?
It is headquartered in Williamsport, PA, United States.
When was Woodlands Bank founded?
It was established in 1990, per the FDIC institution directory.
Is Woodlands Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodlands Bank?
Woodlands Bank's primary federal regulator is the Federal Reserve.
What is Woodlands Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Woodlands Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodlands Bank's Texas Ratio?
Its Texas Ratio is 22.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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