$470M
+5.9%y/y
Percentile by value43rd percentileby value
FDIC
ASSETWB
Woodsboro Bank
Woodsboro, MarylandFDIC Cert #5873
STATEEstablished 18995 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWoodsboro Bank reported $470M in total assets. Deposits grew 4.77% over the prior year.
Return on assets was 1.16%, compared with the official FFIEC UBPR peer median of 1.30%. The leverage ratio was 8.76%.
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
- Why is Total Assets below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$433M
+4.8%y/y
Percentile by value49th percentileby value
FDIC
DEP$327M
+4.2%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET1.16%
+18 bpsy/y
Peer standing40th percentile
FDIC
NETINC + ROA63.54%
−385 bpsy/y
Peer standing42nd percentile
FDIC
NONIX + NIM + NONII + EEFFR8.76%
+54 bpsy/y
Peer standing9th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,278 ffiec ubpr peer group 5 — insured commercial banks having assets between $300 million and $1 billion.
Side-by-side comparison
Woodsboro Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.16%
Registry median
1.30%
This bank
16.54%
FFIEC trimmed average
13.04%
This bank
4.20%
Registry median
3.89%
This bank
63.54%
Registry median
61.20%
This bank
+4.77%
FFIEC trimmed average
+4.71%
This bank
+4.23%
FFIEC trimmed average
+6.25%
This bank
0.10%
FFIEC trimmed average
0.64%
This bank
8.76%
FFIEC trimmed average
10.94%
This bank
1.35%
Registry median
2.43%
This bank
220%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.16%
Registry median
1.16%
This bank
16.54%
FFIEC trimmed average
9.98%
This bank
4.20%
Registry median
3.90%
This bank
63.54%
Registry median
61.60%
This bank
+4.77%
FFIEC trimmed average
+2.85%
This bank
+4.23%
FFIEC trimmed average
+5.01%
This bank
0.10%
FFIEC trimmed average
0.74%
This bank
8.76%
FFIEC trimmed average
10.75%
This bank
1.35%
Registry median
2.21%
This bank
220%
Registry median
225%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $367M | $337M |
| Q3 2021 | $373M | $344M |
| Q4 2021 | $379M | $350M |
| Q1 2022 | $395M | $371M |
| Q2 2022 | $405M | $384M |
| Q3 2022 | $432M | $415M |
| Q4 2022 | $399M | $380M |
| Q1 2023 | $407M | $385M |
| Q2 2023 | $403M | $382M |
| Q3 2023 | $407M | $388M |
| Q4 2023 | $412M | $388M |
| Q1 2024 | $422M | $399M |
| Q2 2024 | $443M | $418M |
| Q3 2024 | $460M | $430M |
| Q4 2024 | $438M | $411M |
| Q1 2025 | $443M | $414M |
| Q2 2025 | $459M | $425M |
| Q3 2025 | $458M | $426M |
| Q4 2025 | $456M | $418M |
| Q1 2026 | $470M | $433M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $84.8M |
| Investor CRE | $62.6M |
| Multifamily | $25.3M |
| Construction | $12.9M |
| 1–4 family | $121M |
| C&I | $20M |
| Agriculture | $3M |
| Other | $1.09M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.16%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE16.54%72nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY4.20%68th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.54%42nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP+4.77%53rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+4.23%40th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ8.76%9th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.35%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC220%69th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.16%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.57%Median 1.16%90th 1.62%Observations 19
ROE
FDIC
NETINC + ROE16.54%90th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.39%Median 11.61%90th 14.71%Observations 19
NIM
FDIC
NIM + NIMY4.20%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.15%Median 3.90%90th 4.69%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.54%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.80%Median 61.60%90th 79.71%Observations 19
Deposits YoY
FDIC
DEP+4.77%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.16%Median +4.14%90th +12.98%Observations 19
Loans YoY
FDIC
LNLSNET+4.23%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.34%Median +4.72%90th +14.81%Observations 19
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%20th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.35%90th 2.15%Observations 19
Leverage
FDIC
RBC1AAJ8.76%5th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.14%Median 10.87%90th 13.46%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.35%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.21%90th 3.73%Observations 19
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC220%40th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 123%Median 225%90th 315%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Woodsboro, MD
FDIC
OFFDOMOpen the Maryland dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data