Woodlands Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). A current level of 16.7 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (3.1).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 8.4. Weak liquidity 2.6, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 9.5 percent.
Asset Mix:
Comm re (22%), home mtgs (22%), securities (18%), comm loans (10%), home eq lns (8%), cash (5%), consumer loans (1%), other (15%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Woodlands Financial Services Company
Investment Rating
Address
2450 East Third Street
Williamsport, PA 17701
Williamsport, PA 17701
Phone Number
(570) 327-5263
Year Founded
1990
FDIC Number
Website
Largest Affiliates
No affiliate information available.