Woodsboro Bank
Woodsboro, MD
IDRSSD: 406022
Total Assets
$458.38M
Latest filing
Total Deposits
$425.55M
Latest filing
Net Interest Margin
4.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Woodsboro Bank
5 N Main St
Woodsboro, MD 21798
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1899FDIC Certificate 4011
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Woodsboro Bank (Main) | 5 N Main St | Woodsboro, MD |
| THURMONT BRANCH | 143 Frederick Rd | Thurmont, MD |
| MONOCACY VILLAGE OFFICE | 900 N East St | Frederick, MD |
| WEST PATRICK STREET BRANCH | 4-6 West Patrick Street | Frederick, MD |
| FREDERICK BRANCH | 40 West Patrick Street | Frederick, MD |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21798 |
| State and County Number | 24021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Washington-Arlington-Alexandria, DC-VA-MD-WV |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.woodsborobank.com |
| Data Updated | 11/14/2025 |
| CERT | 5873 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $458.38M |
| Total Deposits | $425.55M |
| Total Liabilities | $428.56M |
| Total Equity Capital | $29.82M |
| Net Income | $1.20M |
| Net Loans and Leases | $321.22M |
| Assets Per Employee ($Millions) | $6.95M |
| Bank Premises and Fixed Assets | $4.24M |
| Cash and Balances due from Depository Institutions | $27.13M |
| Deposits Held in Domestic Offices | $425.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 16.75% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 63.25% |
| Tier 1 Risk-Based Capital Ratio | 12.253% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.505% |
| Earning Assets to total Assets | 94.95% |
Income and Expense
| Total Interest Income | $5.52M |
| Total Noninterest Income | $482.00k |
| Total Interest Expense | $1.10M |
| Total Noninterest Expense | $3.10M |
| Net Interest Income | $4.42M |
| Pre-tax Net Operating Income | $1.78M |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.01M |
| Total Liabilities and Capital | $458.38M |
Securities
| Securities | $91.36M |
| Available-for-sale debt securities | $91.36M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Woodsboro Bank?
$458.38M as of the latest filing.
How much are Woodsboro Bank's total deposits?
$425.55M in total deposits.
Where is Woodsboro Bank located?
Woodsboro, MD.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1899.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$321.22M (latest filing).
What is the total interest income (latest filing)?
$5.52M.