Woodsboro Bank
Woodsboro, MD
IDRSSD: 406022
Total Assets
$455.59M
Latest filing
Total Deposits
$417.91M
Latest filing
Net Interest Margin
4.25%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
055002150WOODSBORO, MD
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Arundel Federal Savings Bank
Glen Burnie, Maryland
→
Assets: $442.73MΔ -3.4%
The Harbor Bank of Maryland
Baltimore, Maryland
→
Assets: $390.07MΔ -14.9%
Eastern Savings Bank, FSB
Hunt Valley, Maryland
→
Assets: $388.59MΔ -15.2%
The Farmers Bank of Willards
Willards, Maryland
→
Assets: $551.50MΔ +20.3%
First Shore Federal Savings and Loan Association
Salisbury, Maryland
→
Assets: $362.28MΔ -21.0%
The Bank of Glen Burnie
Glen Burnie, Maryland
→
Assets: $351.68MΔ -23.3%
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 | 66 |
| 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 | 01/30/2026 |
| CERT | 5873 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $455.59M |
| Total Deposits | $417.91M |
| Total Liabilities | $423.64M |
| Total Equity Capital | $31.95M |
| Net Income | $1.19M |
| Net Loans and Leases | $325.13M |
| Assets Per Employee ($Millions) | $7.01M |
| Bank Premises and Fixed Assets | $4.13M |
| Cash and Balances due from Depository Institutions | $21.34M |
| Deposits Held in Domestic Offices | $417.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 15.41% |
| Net Interest Margin | 4.25% |
| Efficiency Ratio | 57.02% |
| Tier 1 Risk-Based Capital Ratio | 12.488% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.012% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $5.61M |
| Total Noninterest Income | $575.00k |
| Total Interest Expense | $1.01M |
| Total Noninterest Expense | $2.96M |
| Net Interest Income | $4.61M |
| Pre-tax Net Operating Income | $1.92M |
| Provision for Credit Losses | $310.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $5.73M |
| Total Liabilities and Capital | $455.59M |
Securities
| Securities | $90.51M |
| Available-for-sale debt securities | $90.51M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$455.59M as of the latest filing.
How much are Woodsboro Bank's total deposits?
$417.91M in total deposits.
Where is Woodsboro Bank located?
Woodsboro, MD.
What is the Net Interest Margin?
4.25%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1899.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$325.13M (latest filing).
What is the total interest income (latest filing)?
$5.61M.