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.

From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 9 points.

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 Maryland

Yes. Woodsboro Bank is an FDIC-insured institution (FDIC certificate #5873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($107.4M) 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 8.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.46% (benchmark: 10%).

Check how much of your own balance is covered

Woodsboro Bank lists 5 offices in 3 cities. Most locations:

• Frederick, MD (3)
• Thurmont, MD (1)
• Woodsboro, MD (1)

All branch addresses and map

In 2025, Woodsboro Bank reported 45 home-loan applications under HMDA (LEI 549300BM1JKSQR7HI756): 34 originated ($16,130,000 total), 3 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, 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.

Legal name

Woodsboro Bank

Former names

The Woodsboro Savings Bank of Frederick County, Maryland

Type

State-chartered bank

FDIC certificate #

5873

RSSD ID

406022

Primary regulator

FDIC

Established

May 1, 1899

Headquarters

5 N Main St, Woodsboro, MD 21798

Website

www.woodsborobank.com

Employees

68