# WOODSBORO BANK
WOODSBORO, MD · FDIC certificate 5873 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $483.3M | |
| Deposits | $445.9M | |
| Loans and leases | $343.7M | |
| Total equity | $34.2M | |
| Loans / deposits | 76.18% (p37 of band) | 82.04% |
| Liquid assets / assets | 25.49% (p52 of band) | |
| Uninsured deposits / deposits | 24.09% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.77% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -34.74% (p10 of band) | -8.10% |
| AOCI / equity | -0.70% (p33 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 62.55% (p54 of band) | |
| Noncurrent loans | 0.09% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 1252.65% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 41.93% (p49 of band) | |
| Auto loans | $28,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | noncurrent p90 |  |
| 2012-06 | 2 | capital falling | noncurrent p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 2 | capital falling, expense ratio p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 3 |  | construction >100% equity |
| 2023-03 | 1 |  | leverage <7%, AOCI drag >20% of equity |
| 2023-06 | 2 | construction >100% equity |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-27 [Woodsboro Bank Expands Regional Footprint with New Branch Location in Mt. Airy - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQR3o5cTVQUGFnRC16MC11eFNRNldmZGliT0dwU3F0Q1Q4em53b3otbzFGV3oxNVVaSjhxNURPNE8zUGRoUVJvX3VHeG8xckp0SURLNi1HNXpwYVZuZm40UGlUamdkOEJ5Yl82MnBqNll0X2ZhUVZLS21zc1J1N2VRNXZLZHZ0T3ZHaWhweTZQQzZBYnJCVVh6b3hwamQ3NTdvbE9ZTUxXa05FWUpXQi1sVzUyZ29GdFdmMWJwSUpzTWtEaV9LZEFEQzlVWnBIZw?oc=5) · PR Newswire
- 2026-08-21 [Maryland's Woodsboro Bank names Brian Ropp new CFO - FinTech Futures](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWEhBdXdXOUpHV0VkcFNxS2pfM2xtNkV6cnpyckZjWndMWk5wbU9vaDBFaEsxS0RubnJvaDhGOGJiRGV4Tm9hRXhMUnRFZHV2aVAyU2dEU2w3bFVYVkJJbmExX1BoQXhYTWxhUUxYLXBZNTBUdWh2WnFuSmdyTzgzN1JmSzJyUQ?oc=5) · FinTech Futures
- 2026-08-26 [Frederick-area bank to expand with Mt. Airy branch - Maryland Daily Record](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbmM0RWp1V0NHQ2xXZlBpdDJ1VVg3SFFubHlKTDY2enJmblJqOXdqNVAyOG1hZW91UXpfNjFZNGctTGFlZmp5a2VVNGQ1Tmgwb081WkxNNHBjWUdydnRFQVhyNEJMOXhoYVFlaTlWeldzcGJ6LWFqMy11aXh0VjZBWnh1Um84VGJhZUc4ZndhRDhHdw?oc=5) · Maryland Daily Record
- 2026-08-14 [Woodsboro Bank Announces Appointment of Brian Ropp as Chief Financial Officer - webull.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBiX2JFQktvcXFScjdNQ1Vpd1pYank0LW5XVmJscVVMY2tyeHNDWVRUMUw5WlFBc2JKaERfRUJNZkdSU19LdWhFOVE2aXMtNkZlaDk5Tkxrd3k?oc=5) · webull.com
- 2026-04-27 [Woodsboro Bank Arena at the Ronald J. Volpe Athletic Center - Frederick Flying Cows - Stadium Journey](https://news.google.com/rss/articles/CBMivAFBVV95cUxOR3Ytc1V3VjRrZTNLN1FQVGFPWi11OTJlUzd0VjNzZTVmMzRUdy1fUUxzcEtTbXpFWTlRTTZjS3VIY0lWOVdzeGViMlRSbERMWWJZazRuSWFxVjE4Ynk3SG4tek5VeGV3NGtrQVdjVTNueDFzc1ZkTDdtMkNqejJGMzRVaUZINXFIdVVieThVc1VEcU1aQmxhZ3dZN2xEVmhIRzNmRE9BX1dYempkX3F4dWszelptLWI3a0R2MQ?oc=5) · Stadium Journey
- 2026-07-31 [Woodsboro Bank Announces Commercial Banking Growth with Increased Lending Limit & Team Expansion - Eastern Progress](https://news.google.com/rss/articles/CBMihwJBVV95cUxPRGVTcFh1X1pzN0tpTGxtYzE0M2R2LUxzSlZmTk8wNG5JT3VuNmxKdkZvMFVRRGJteXUzc1BUWFRIVDBOb3JTWHl4WWZrSnV0WXYxckk4dVk5dEpSYW8zdGVhYWxfZHlER3czdGF5NjVBcGdSTTJoeWZ2bnRXcWhTRk5jTXB5cXZJdHJUaFU5YU1ZV1pBRFl6X0NicjViQmxsQ1E0UGQzNzRKOHpBWXZJM2lxWUpobFYtX1lUeDRvSS02VDZ6TjhFQVdxc2dtb3l3R2ZwQnllUFVQakRrS2ZFZW80YU5HaEhzX2Z6dTVuNlQ4VEZMRjJkUXVQOEZ0LXQzRFZOR1hsbw?oc=5) · Eastern Progress
- 2026-08-14 [Woodsboro Bank Announces Appointment of Brian Ropp as Chief Financial Officer - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPT0IxNklKNUhFU0g3RnJnNnc0NWpvYmhOOVRqYkotcVpWRUlPVk9qOFd3TTg0RWJ4MHVEdk80dlZqYk1VWjNTUDhNakN6RzFqTFpvN2F1dFNzWVp6eFBza3c2WkRkeWFfWVYyNUxoOVZLRVVnSnpkSkFtbmg0UkZXZlAzTm9XQ3BmMzdTblVlb0VWdjFmX3h0LTJKNTVGRjZQR0ItcnlnZUlhRm84NE1uaUlWemkzaFQ4MHNBNHptdEFSZE1RNW9GeDQ0ZjFxQQ?oc=5) · PR Newswire
- 2026-09-02 [Woodsboro Bank appoints CFO - ATM Marketplace](https://news.google.com/rss/articles/CBMickFVX3lxTE16RmZVUWdhT0QyaGlpWlZZV1Fqa1o0N2I3Z0wtdHlfLS15NGt1X3V6ZlNCcjBON2ZrTzRDTHdGbU5qcmdQQnJQQXNka2VlRG8zSHo1UUJyazFYRmhfeEVsQ3pRNDRWZ0xtY2w5VFQxd0YyZw?oc=5) · ATM Marketplace

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5873 (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/49.json (key "5873", 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