Woodlands Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodlands Bank of Williamsport, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 16.17% | 13.31% | +2.86% | 72nd above |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 27th below |
| Efficiency Ratio | 63.52% | 61.14% | +2.38% | 43rd below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets | 4.91% | 5.67% | -0.76% | 20th bottom |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 2.85% | 3.32% | -0.47% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.03% | 0.94% | +3.09% | 3rd bottom |
| NPA / Total Assets | 2.87% | 0.70% | +2.17% | 4th bottom |
| NCO / Avg Loans | 0.85% | 0.16% | +0.69% | 4th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 46th below |
| ACL / NPLs (Coverage) | 28.90% | 1539.70% | -1510.80% | 3rd bottom |
| Texas Ratio | 33.24% | 7.32% | +25.92% | 3rd bottom |
| Provision / NCO | 18.22% | 1396.79% | -1378.57% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.73% | 19.51% | -7.78% | 14th bottom |
| Tier 1 Ratio | 11.73% | 19.54% | -7.81% | 14th bottom |
| Total Capital Ratio | 12.83% | 20.63% | -7.80% | 15th bottom |
| Leverage Ratio | 8.86% | 12.14% | -3.28% | 11th bottom |
| Equity / Assets | 7.81% | 11.38% | -3.57% | 12th bottom |
| TCE / Tangible Assets | 7.81% | 11.10% | -3.29% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.41% | 80.64% | -1.23% | 52nd above |
| Core Deposit Ratio | 97.39% | 86.85% | +10.54% | 94th top |
| Wholesale Funding Ratio | 1.57% | 5.04% | -3.47% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.60% | 6.85% | -3.25% | 44th below |
| Loan Growth (Y/Y) | 3.91% | 7.91% | -4.00% | 42nd below |
| Deposit Growth (Y/Y) | 3.45% | 6.29% | -2.84% | 46th below |
See Woodlands Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodlands Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Woodlands Bank profile, how to read a UBPR, or how this data updates.