Woodlands Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 9.50 percentage points in Q2 2026, from 38.39% to 28.90%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Woodlands Bank is 44th of 109 on return on assets, 1.22% as of Q2 2026, above the middle of the field. At 1.22%, Woodlands Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 8.86% |
| Equity capital to assets | 7.81% |
| Tangible equity to tangible assets | 7.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.03% |
| Non-performing assets ratio | 2.87% |
| Net charge-off ratio | 0.85% |
| Texas ratio | 33.24% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 28.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 16.17% |
| Net interest margin | 3.50% |
| Efficiency ratio | 63.52% |
| Yield on earning assets | 4.91% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.41% |
| Core deposits to total deposits | 97.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.69% |
| Securities to assets | 17.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.14% | 0.56% |
| Q4 2023 | 10.34% | 10.34% | 11.45% | 7.88% | -4.54% |
| Q1 2024 | 10.23% | 10.23% | 11.34% | 7.93% | 0.35% |
| Q2 2024 | 10.27% | 10.27% | 11.39% | 7.94% | 0.45% |
| Q3 2024 | 10.40% | 10.40% | 11.53% | 8.00% | 0.62% |
| Q4 2024 | 10.68% | 10.68% | 11.83% | 8.22% | 0.75% |
| Q1 2025 | 10.94% | 10.94% | 12.14% | 8.43% | 0.72% |
| Q2 2025 | 11.17% | 11.17% | 12.42% | 8.41% | 0.86% |
| Q3 2025 | 11.33% | 11.33% | 12.58% | 8.44% | 0.91% |
| Q4 2025 | 11.47% | 11.47% | 12.72% | 8.57% | 1.00% |
| Q1 2026 | 11.83% | 11.83% | 13.08% | 8.93% | 1.11% |
| Q2 2026 | 11.73% | 11.73% | 12.83% | 8.86% | 1.22% |
Woodlands Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Woodlands Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33136) · FFIEC NIC profile (RSSD 1479470)