Woodsboro Bank
BankRegReports is independent of Woodsboro Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Woodsboro Bank is an FDIC-insured commercial bank headquartered in Woodsboro, MD, established in 1899 (FDIC certificate 5873), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $483.3M, up 5.4% from Q2 2025, the 19th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 12.21% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5873
- Headquarters
- Woodsboro, MD
- Established
- 1899
- Total assets, Q2 2026
- $483.3M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 12.21%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 055002150
- Latest call report
- Q2 2026, FFIEC 051 · Woodsboro Bank call report
- Asset rank in state
- 19th of 27 in Maryland
Woodsboro Bank, based in Woodsboro, Maryland, reported $483 million in assets at June 30, 2026, up 5.4% from a year earlier. It pays an average of 0.67% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.77% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.3 million, 38% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 28% of Tier 1 capital, down from 38% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Woodsboro Bank reported a CET1 capital ratio of 12.21%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Woodsboro Bank is the 19th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $483.3M, loans rose 3.8% and deposits rose 2.9%. 1-4 family residential loans made up 35.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.1%. The FDIC Summary of Deposits lists 5 offices for it, in Frederick, MD, Thurmont, MD and Woodsboro, MD; its Frederick 3 offices book 44% of its branch deposits. On its Q2 2026 call report, Woodsboro Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5 N Main St, Woodsboro, MD 21798
- County
- Frederick
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1899
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $445.9M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$26K
- Average total assets
- $488.5M
- Average total loans
- $337.0M
- Average interest-bearing deposits
- $439.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5873
- Fed RSSD
- 406022
- Website
- http://www.woodsborobank.com →
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
Woodsboro Bank's total assets moved between a low of $406.8M (Q3 2023) and a high of $483.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$483.3M total assets against $458.5M; $449.1M total liabilities against $431.0M.
$339.6M net loans and leases against $318.0M; $445.9M total deposits against $424.9M.
$96.8M securities against $82.9M; $26.4M cash and balances due against $38.5M.
$5.8M total interest income against $5.3M; $996K total interest expense against $1.0M.
$4.8M net interest income against $4.3M.
$495K total noninterest income against $476K; $3.3M total noninterest expense against $3.2M.
$260K provision for credit losses against $75K.
$1.3M net income against $923K.
1.05% return on assets against 0.79%; 4.12% net interest margin against 3.84%.
12.21% CET1 capital ratio against 11.93%; 8.77% tier 1 leverage ratio against 8.19%.
Inside the full Woodsboro Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Woodsboro Bank rankings
Its closest position to the top of a national ranking is 1,823 of 4,196, for total assets; its furthest is 1,647 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q2 2025) to 1.15% (Q4 2024) and its net interest margin ran from 3.48% (Q3 2024) to 4.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.21% | 1.05% | 0.09% | 0.84% | 4.12% |
| Q1 2026 | 12.47% | 1.13% | 0.10% | 0.88% | 4.04% |
| Q4 2025 | 12.49% | 1.01% | 0.10% | 0.91% | 4.07% |
| Q3 2025 | 12.25% | 1.02% | 0.00% | 0.00% | 3.93% |
| Q2 2025 | 11.93% | 0.79% | 0.09% | 0.96% | 3.84% |
| Q1 2025 | 11.72% | 0.95% | 0.00% | 0.00% | 3.84% |
| Q4 2024 | 11.55% | 1.15% | 0.00% | 0.00% | 3.71% |
| Q3 2024 | 11.45% | 0.80% | 0.03% | 0.34% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Thurmont Branch | Thurmont , MD | 21788 | $129.5M |
| Woodsboro Bank (main office) | Woodsboro , MD | 21798 | $121.1M |
| West Patrick Street Branch | Frederick , MD | 21701 | $67.7M |
| Monocacy Village Office | Frederick , MD | 21701 | $66.0M |
| Frederick Branch | Frederick , MD | 21701 | $61.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MD, rank 34 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 34 loans originated, $16.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $68K approved, $68K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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
Add this badge to your website
Free to use. It shows Woodsboro Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Woodsboro Bank
What are Woodsboro Bank's total assets?
As of the Q2 2026 filing, Woodsboro Bank reported total assets of $483.3 million in its FFIEC call report.
Where is Woodsboro Bank headquartered?
It is headquartered in Woodsboro, MD, United States.
When was Woodsboro Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Woodsboro Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodsboro Bank?
Woodsboro Bank's primary federal regulator is the FDIC.
What is Woodsboro Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.21% in its Q2 2026 call report, above regulatory requirements.
How many branches does Woodsboro Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodsboro Bank's Texas Ratio?
Its Texas Ratio is 0.84% 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.
Go deeper on Woodsboro Bank.
Get an email when Woodsboro Bank files its next call report, and benchmark it against any peer you choose.
Unlock Woodsboro Bank, freeFree account