Headquartered in Williamsport, Pennsylvania, Woodlands Bank is a state-chartered bank (fed member) with $640.3M in total assets and $574.2M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1990.
Based on its Q2 2026 filing, Woodlands Bank scores 44/100, which we describe as below average. That is higher than only 4% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 107th. Its strongest component is funding & liquidity (72/100; 78% loans-to-deposits, 24% uninsured), and its lowest is loan quality (11/100; 2.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (45 → 44).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 45 |
| Q4 2024 | 41 |
| Q1 2025 | 43 |
| Q2 2025 | 45 |
| Q3 2025 | 41 |
| Q4 2025 | 42 |
| Q1 2026 | 48 |
| Q2 2026 | 44 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.94% |
| Q3 2024 | 8.00% |
| Q4 2024 | 8.22% |
| Q1 2025 | 8.43% |
| Q2 2025 | 8.41% |
| Q3 2025 | 8.44% |
| Q4 2025 | 8.57% |
| Q1 2026 | 8.93% |
| Q2 2026 | 8.86% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 1.65% |
| Q4 2024 | 2.09% |
| Q1 2025 | 2.17% |
| Q2 2025 | 2.17% |
| Q3 2025 | 2.58% |
| Q4 2025 | 2.55% |
| Q1 2026 | 2.31% |
| Q2 2026 | 2.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $640.3M | 8.86% | 2.68% | 1.18% | 78.5% |
| Q1 2026 | 48 | $633.4M | 8.93% | 2.31% | 1.12% | 76.0% |
| Q4 2025 | 42 | $616.1M | 8.57% | 2.55% | 0.89% | 78.3% |
| Q3 2025 | 41 | $631.1M | 8.44% | 2.58% | 0.85% | 76.3% |
| Q2 2025 | 45 | $618.0M | 8.41% | 2.17% | 0.81% | 78.0% |
| Q1 2025 | 43 | $613.4M | 8.43% | 2.17% | 0.73% | 79.5% |
| Q4 2024 | 41 | $600.9M | 8.22% | 2.09% | 0.56% | 82.4% |
| Q3 2024 | 45 | $620.3M | 8.00% | 1.65% | 0.49% | 82.7% |
| Q2 2024 | 55 | $614.4M | 7.94% | 0.56% | 0.41% | 85.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mauch Chunk Trust CompanyBank Jim Thorpe, PA | 46 out of 100, Below average | $642.8M | 7.9% | 1.27% | vs |
| Phoenixville Federal Bank and TrustBank Phoenixville, PA | 67 out of 100, Moderate | $648.0M | 12.6% | 1.25% | vs |
| Reliance Savings BankBank Altoona, PA | 67 out of 100, Moderate | $648.9M | 12.2% | 0.26% | vs |
| Quaint Oak BankBank Southampton, PA | 52 out of 100, Below average | $631.5M | 10.9% | 1.73% | vs |
| Slovenian Savings and Loan Association of CanonsburgBank Strabane, PA | 73 out of 100, Strong | $627.0M | 16.5% | 1.99% | vs |
| Pennian BankBank Mifflintown, PA | 55 out of 100, Moderate | $667.9M | 9.2% | 1.09% | vs |
Deposit insurance
Is my money safe at Woodlands Bank?
Yes. Woodlands Bank is an FDIC-insured institution (FDIC certificate #33136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.2% of deposits ($138.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.83% (benchmark: 10%).
8 locations
Branches
Woodlands Bank lists 8 offices in 5 cities. Most locations:
- Williamsport, PA (4)
- Hughesville, PA (1)
- Jersey Shore, PA (1)
- Lock Haven, PA (1)
- Pennsdale, PA (1)
HMDA 2025
Mortgage lending
In 2025, Woodlands Bank reported 97 home-loan applications under HMDA (LEI 549300RMBMOU2J1VK478): 82 originated ($16,280,000 total), 4 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Woodlands Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 33136
- RSSD ID
- 1479470
- Primary regulator
- FED
- Holding company
- Woodlands Finl Services Co
- Established
- October 10, 1990
- Headquarters
- 2450 E 3rd St, Williamsport, PA 17701
- Website
- www.woodlandsbank.com
- Employees
- 111
Quick answers
Woodlands Bank: common questions
Is Woodlands Bank FDIC insured?
Yes. Woodlands Bank is an FDIC-insured institution (FDIC certificate #33136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Woodlands Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Woodlands Bank ever failed?
There is no failure record for FDIC certificate #33136 in the FDIC failed bank list.
How many branches does Woodlands Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Williamsport
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montoursville Area Federal Credit UnionCredit union Montoursville, PA | 91 out of 100, Very strong | $6.2M | 14.2% | 0.03% | vs |
| Palco Federal Credit UnionCredit union Muncy, PA | 87 out of 100, Very strong | $109.3M | 13.1% | 0.20% | vs |
| Williamsport Teachers Credit UnionCredit union South Williamsp, PA | 85 out of 100, Very strong | $15.6M | 19.5% | 0.56% | vs |
| The Turbotville National BankBank Turbotville, PA | 85 out of 100, Very strong | $243.5M | 16.5% | 1.10% | vs |
| Central Susquehanna Community Federal Credit UnionCredit union Danville, PA | 82 out of 100, Strong | $37.4M | 12.1% | 0.00% | vs |
| Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA | 81 out of 100, Strong | $43.8M | 14.6% | 1.08% | vs |