Woodsboro Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodsboro Bank of Woodsboro, MD 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 | 1.05% | 1.35% | -0.30% | 36th below |
| ROAE | 15.26% | 12.05% | +3.21% | 67th above |
| Net Interest Margin | 4.12% | 3.90% | +0.22% | 60th above |
| Efficiency Ratio | 61.25% | 63.15% | -1.90% | 50th above |
| PPNR / Avg Assets | 1.67% | 1.64% | +0.03% | 55th above |
| Yield on Earning Assets | 4.97% | 5.65% | -0.68% | 22nd bottom |
| Cost of Funds | 0.67% | 1.85% | -1.18% | 97th top |
| Net Interest Spread | 3.58% | 3.35% | +0.23% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.92% | -0.83% | 74th above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 45th below |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 1252.65% | 1645.31% | -392.66% | — |
| Texas Ratio | 0.84% | 7.15% | -6.31% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.21% | 20.83% | -8.62% | 19th bottom |
| Tier 1 Ratio | 12.21% | 20.87% | -8.66% | 19th bottom |
| Total Capital Ratio | 13.46% | 21.94% | -8.48% | 21st bottom |
| Leverage Ratio | 8.77% | 12.47% | -3.70% | 9th bottom |
| Equity / Assets | 7.08% | 11.67% | -4.59% | 7th bottom |
| TCE / Tangible Assets | 7.08% | 11.40% | -4.32% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.08% | 78.64% | -1.56% | 57th above |
| Core Deposit Ratio | 95.16% | 87.09% | +8.07% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.41% | 6.47% | -1.06% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.85% | 7.64% | -0.79% | 59th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.92% | 6.02% | -1.10% | 57th above |
See Woodsboro Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodsboro 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 Woodsboro Bank profile, how to read a UBPR, or how this data updates.