Bank · FDIC insured
Woodlands Bank
A $640.3M bank headquartered in Williamsport, PA, with 8 branches in Pennsylvania. Best rates: savings 0.05% APY.
Woodlands Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#13 of 16 in Williamsport, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Woodlands Bank
Woodlands Bank is headquartered in Williamsport, Pennsylvania, and operates eight branch locations.
Established in Lycoming County in 1989 by local entrepreneurs following area bank mergers, the bank opened in October 1990.
Its parent entity, Woodlands Financial Services Company, trades common stock over-the-counter under the ticker symbol WDFN.
- Headquarters
- 2450 E 3rd St, Williamsport, PA 17701
- FDIC certificate
- 33136 ↗
Branches
8 branches in Pennsylvania
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Pennsylvania
8 branches
Williamsport area · 7
- Woodlands BankMain office2450 E 3rd St, Williamsport, PA 17701Directions
- Hughesville Office Branch2 S Main St, Hughesville, PA 17737Directions
- Jersey Shore Office Branch1146 Allegheny St, Jersey Shore, PA 17740Directions
- Halls Station Office Branch973 Lycoming Mall Dr, Pennsdale, PA 17756Directions
- 213 West Fourth Street Branch213 W 4th St, Williamsport, PA 17701Directions
- Newberry Office Branch1980 W 4th St, Williamsport, PA 17701Directions
- West Southern Avenue Branch618 W Southern Ave, Williamsport, PA 17702Directions
Lock Haven area · 1
- Lock Haven Office Branch202 N Jay St, Lock Haven, PA 17745Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.68% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.18% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio8.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.68%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Woodlands Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.