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Woodsboro Bank
Woodsboro, MD · FDIC Certificate #5873 · Chartered 05/0
Total assets
$483.33M
Total deposits
$445.86M
Total equity
$34.22M
Net loans
$339.64M
Branches (offices)
5
Net income (YTD)
$2.61M
Rank: #1,831 of 4,213 U.S. banks by assets · #19 of 27 in Maryland. Assets changed 5.4% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 15.86% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 7.08% |
| Tier 1 leverage ratio | 8.77% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 76.2% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $319.95M | 94.2% | |
| Commercial & industrial | $22.61M | 6.7% | |
| Consumer / individual | $327.00K | 0.1% | |
| Construction & development | $14.35M | 4.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $405.41M | $384.32M | $1.11M | $18.53M |
| Jun 2023 | $402.78M | $382.07M | $1.54M | $18.05M |
| Jun 2024 | $442.81M | $418.07M | $1.46M | $21.69M |
| Jun 2025 | $458.50M | $424.94M | $2.00M | $27.51M |
| Jun 2026 | $483.33M | $445.86M | $2.61M | $34.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $445.86M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $445.86M.
Similar-sized banks
Ohio State Bank ($483.98M) · Southwest Capital Bank ($482.92M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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