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Woodlands Bank

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Woodlands Bank Rates & Review May 2026

Q: How many branches does Woodlands Bank operate?

Woodlands Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Woodlands Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Woodlands Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Woodlands Bank rates to other rates in our database, including 12-month CD rates currently at 2.25%, 6-month CD rates at 0.25% and 3-month CD rates at 0.10%. Savings rates are at 0.30% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Woodlands Bank rates. MonitorBankRates evaluates the financial stability of Woodlands Bank with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 29.49%. Rates were last updated on 05/15/2026.

Woodlands Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Woodlands Bank? Share your experience about Woodlands Bank by leaving a review below, or read customer reviews before you decide to use Woodlands Bank.

Overall Health & Safety Grade

Average Health Score: 73/100

MonitorBankRates Rating

3.8

Very Good Out of 5.0 Stars

Texas Ratio

29.49%

Good Higher than avg

Woodlands Bank

2450 E 3rd St
Williamsport, PA 17701

https://www.woodlandsbank.com

Current Rate Availability

We do not have Woodlands Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Woodlands Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Woodlands Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Woodlands Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Woodlands Bank

Bank Holding Company WOODLANDS FINL SERVICES CO

Address 2450 E 3rd St, Williamsport, PA 17701 · Lycoming

Website https://www.woodlandsbank.com

FDIC Certificate # 33136

Established 10/10/1990

FDIC Insurance Date 10/10/1990

Domestic Offices 8

Total Branches 8

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 73/100

3.8

Very Good Out of 5.0 Stars

29.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7375%

Return on Equity (ROE) 10.8800%

Non-Performing Loans (NPL) 1.92%

Total Assets $616,118,000

Total Deposits $553,629,000

Equity Capital $47,483,000

Net Income $5,507,000

Headquarters Williamsport

Total Offices 8

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Woodlands Bank

How many branches does Woodlands Bank operate?

Woodlands Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Woodlands Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Woodlands Bank provides members with tools to manage their accounts and build a solid financial history.

Does Woodlands Bank offer online and mobile banking?

Most modern institutions like Woodlands Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.woodlandsbank.com.