Woodsboro Bank: how it compares with its peers
Against 12 MD banks with half to twice its assets, Woodsboro Bank's strongest measure in Q2 2026 is return on assets (1.11% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $7.4M).
| Measure | Woodsboro Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 0.99% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 3.72% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.55% | 63.92% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.4M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.18% | 85.74% | Context |
What it means for lending operations
Its efficiency ratio of 62.55% is better than the 63.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Arundel Bank Glen Burnie, MD · $492M
- The Farmers Bank of Willards Willards, MD · $548M
- The Bank of Glen Burnie Glen Burnie, MD · $395M
- The Harbor Bank of Maryland Baltimore, MD · $383M
- First Shore Federal Savings and Loan Association Salisbury, MD · $367M
- Eastern Savings Bank, FSB Hunt Valley, MD · $336M
Questions about Woodsboro Bank
How big is Woodsboro Bank?
Woodsboro Bank, established in 1899, is headquartered in Woodsboro, MD. It reported $483M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Woodsboro Bank's return on assets?
1.11% annualized in Q2 2026, against a 0.99% median for 12 MD banks with half to twice its assets, ahead of 67% of them.
What is Woodsboro Bank's efficiency ratio?
62.55% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 63.92%, and lower is better.
Is Woodsboro Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 4.9%.
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 MD 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 Maryland bank ranked.