# WOODLANDS BANK
WILLIAMSPORT, PA · FDIC certificate 33136 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $640.3M | |
| Deposits | $574.2M | |
| Loans and leases | $456.0M | |
| Total equity | $50.0M | |
| Loans / deposits | 78.48% (p42 of band) | 82.04% |
| Liquid assets / assets | 23.93% (p47 of band) | |
| Uninsured deposits / deposits | 24.20% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.57% (p38 of band) | |
| FHLB advances / assets | 1.56% | |
| Tier 1 leverage | 8.86% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -18.90% (p24 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 1.18% (p45 of band) | 1.28% |
| Net interest margin | 3.50% (p28 of band) | 3.91% |
| Efficiency ratio | 65.01% (p61 of band) | |
| Noncurrent loans | 2.68% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.31% (p94 of band) | |
| Reserve coverage of noncurrent | 43.51% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 12.52% (p17 of band) | |
| Auto loans | $169,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2023-12 | 5 | losing money, charge-offs p90, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2024-03 | 3 |  | losing money, charge-offs p90 |
| 2024-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 2 | reserve under noncurrent |  |
| 2024-12 | 3 | noncurrent p90 |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | securities losses >30% of equity |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-03 [Woodlands Bank puts their customers, communities first - - lockhaven.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQVWo4U1FXYldwV205WGVTcUJWcVBMU0Y0aVZpNjk3Y1lYTk9JZmtpQ0gxcmtaYUNYeWFqSUF0dlRtVGhBSEdtY2JDNG00Q0xWWGpUYWJ0cVVMamVBb0lwa0tUNkVwUkQtZS1JNjAwTlR6S3UyTkpjZG0zbENNcFpuYk0zQVFwaGFTYjllc2VyLXVOYmJfOVQwNXFEdVlFNm03WWVJTzgyLW9xdTNaU1JibzVSaFlsU1B3cWN3andSSDFCYlphQURHVUdiVUVFdw?oc=5) · lockhaven.com
- 2026-03-17 [Woodlands Bank welcomes new mortgage loan officer and sales manager - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNYy1pVl9lS0dId0Z6clByS1k1cy02b2E4WTNuQTU0bmI5b2tvbGFEOFN1a09tQlhJXzVhbTZfV0otRXlTVTM1bjhvTXBHcktUWVEzMy1KUkFCd3pfdGE0b0RnMkNVTllCdkxkYk8tOGRtTXJGNUZ1SzJzcGU1LTVxd0I0YWE5QkNTUTcwVmE3X2hKY3JMdWJXNEZ1VnYtMGdCai1lbVU2STBHY3hBM3dhWEM2eUwzRGFaUDZ4NndabTF1ZkViY1NKaTlWRjcwVXNDTGw5Zjk5Z2wzemZlZHFGQ2dYSHQxX1E5Q3R0cnFn?oc=5) · NorthcentralPA.com
- 2022-06-16 [Robert E. Forse Inducted to PA Bankers Association’s 50+ Year Club - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMipwFBVV95cUxQT25RaHlQNVlxTmMydVpIRFFGam9ueV9VTlpORUtIa2Y4V2JjUnB2VXZqUFp1elVhVUY5OTZOa0JrODNoMXZ6RWVkbkZCRUh2MWc5STlTUzVCTVNDaHJJZ2c0bEdEaGpuSGg4V1RRRHZFOHJ5VFluV0JuTl9yckUzTEdVV3BMaGVHdjY4aTBvZUNqaGNjRWpPSlNJR0RsUzk3ZFhlSVhSOA?oc=5) · Williamsport Sun-Gazette
- 2024-01-27 [Woodlands Bank (PA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigAFBVV95cUxQVlVRMHlBc1E3eG5vMDFNSHRvM0tNV2h6TkhFai1kSHhWSWFJSDZ4MEpId1RWcUJxZGxTU295dVlGdXNrV0YxZ0VmakV2TWlNLU9FSG5vMzYtYlhpb1lGQWVlOFlqRVJzOG5odFl3UXdDeXJ0R1lFeTQyWDNXOWxEYg?oc=5) · SmartAsset
- 2025-06-16 [Woodlands Bank accepting nominations for Everyday Hero award - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQU015WUxQSEZqLWF2ajRMbEdqU3lZS0t1aXVVbXFRbjZKYVR2aHI5al8zNi1ZQUYzZXJmblJBeU9JSll4R18xUHY1VEhYTGxueW44TkFMMEVNWHM2YTVfa3I0OEI2VDJpdWVJUDNqV0hXUWF2X2cwQzNWOXRPd2xlbkM2SS1aR2lDUkpRVHYwZl9lRHBqX3NBY3psRk83S1FvTDE4YkhUTng2Ni1MSGlqWWJUN2F0T0lYSTRLT19YOTNPcU9iMzRJU0tLVlBTajI1all6LWFhM092ZUw1bXlBbWMzR2hrUQ?oc=5) · NorthcentralPA.com
- 2025-10-04 [Woodlands Bank announces appointment of Jay B. Alexander as Chairman of the Board - - lockhaven.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOTUNQMW5IVlczZ0tvYkNkS2h0c21MWHU4SlNLM3ZvZTJlRjFuMlhJclQ5STFjTFFJalJYclZlQU4zdTNHdDN4czlHR25hLTVsOU5HWHgxeHhSM2NMSEZvVGc5NGhyanNDVFB5LTVNUllXZElaZDJuXzRwYkRrMkx3aEx0Q240cEZ0cEpYTDRGaUotdHQ0dXNUcTZVWVF1Q1B2UE9XSnA1MTZ6LW12dkRYQ0J0bE4tWkR0TWlVdmFmRW5GUFFUZXFIUA?oc=5) · lockhaven.com
- 2025-07-29 [Pa. bank cites errors it says judge made in $726K college garnishment ruling - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2024-06-20 [Muncy student wins Brighter Financial Futures, Woodlands Bank finance competition - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMiywFBVV95cUxQVHZvdHJtbUVvMkxDNGNRNlZmRlRtSWo1elhuU2VrMkpQMFVWWnJ0dkNzS1JfV2M4M2pCaFU5N1NmQmxqN1F0RzA4d3RQSTdOb1UyTXRzMmVSN0dYMFNPaVVWMmF4SkZyZVlPZjFUcXFQTG9NUWlRa2ZmdUVDMzNteWJKMkZ4OV9qZ2Z6RFBjMzhBLU5vdllXVVZPTU41Vm9ueVZOSGNDd3hKSWNzY1NBTFc3RVJhM1NZSGFJWERfbWFOcnBiTkt4MTlDQQ?oc=5) · Williamsport Sun-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33136 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "33136", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide