Woodlands Bank: how it compares with its peers
Against 45 PA banks with half to twice its assets, Woodlands Bank's strongest measure in Q2 2026 is return on assets (1.18% vs. a 0.87% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.5M).
| Measure | Woodlands Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 0.87% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.35% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.01% | 64.10% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.5M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.48% | 82.72% | Context |
What it means for lending operations
Its efficiency ratio of 65.01% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mauch Chunk Trust Company Jim Thorpe, PA · $643M
- Phoenixville Federal Bank and Trust Phoenixville, PA · $648M
- Reliance Savings Bank Altoona, PA · $649M
- Quaint Oak Bank Southampton, PA · $631M
- Slovenian Savings and Loan Association of Canonsburg Strabane, PA · $627M
- Pennian Bank Mifflintown, PA · $668M
Questions about Woodlands Bank
How big is Woodlands Bank?
Woodlands Bank, established in 1990, is headquartered in Williamsport, PA. It reported $640M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Woodlands Bank's return on assets?
1.18% annualized in Q2 2026, against a 0.87% median for 45 PA banks with half to twice its assets, ahead of 62% of them.
What is Woodlands Bank's efficiency ratio?
65.01% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Woodlands Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.