Woodsville Guaranty Savings Bank
Woodsville, NH
IDRSSD: 477303
Total Assets
$669.25M
Latest filing
Total Deposits
$526.37M
Latest filing
Net Interest Margin
2.82%
Profitability
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 03785 |
| State and County Number | 33009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lebanon, NH-VT |
Operational Info
| Number of Employees | 110 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/31/2025 |
| Date of Deposit Insurance | 07/02/1959 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 18031 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $669.25M |
| Total Deposits | $526.37M |
| Total Liabilities | $628.50M |
| Total Equity Capital | $40.75M |
| Net Income | $143.00k |
| Net Loans and Leases | $448.71M |
| Assets Per Employee ($Millions) | $6.08M |
| Bank Premises and Fixed Assets | $6.11M |
| Cash and Balances due from Depository Institutions | $69.86M |
| Deposits Held in Domestic Offices | $526.37M |
Key Performance Ratios
| Return on Assets (ROA) | 0.09% |
| Return on Equity (ROE) | 1.41% |
| Net Interest Margin | 2.82% |
| Efficiency Ratio | 95.3% |
| Tier 1 Risk-Based Capital Ratio | 15.876% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.089% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $6.85M |
| Total Noninterest Income | $845.00k |
| Total Interest Expense | $2.44M |
| Total Noninterest Expense | $5.01M |
| Net Interest Income | $4.41M |
| Pre-tax Net Operating Income | $39.00k |
| Provision for Credit Losses | $208.00k |
| 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 | $97.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.08M |
| Total Liabilities and Capital | $669.25M |
Securities
| Securities | $116.65M |
| Available-for-sale debt securities | $116.65M |
| 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 Woodsville Guaranty Savings Bank?
$669.25M as of the latest filing.
How much are Woodsville Guaranty Savings Bank's total deposits?
$526.37M in total deposits.
Where is Woodsville Guaranty Savings Bank located?
Woodsville, NH.
What is the Net Interest Margin?
2.82%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.09%.
How much are total loans and leases?
$448.71M (latest filing).
What is the total interest income (latest filing)?
$6.85M.