☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Woodlands Bank

iAdvertiser Disclosure

Woodlands Bank Rates & Review September 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 and Verified: September 19, 2026

Woodlands Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Woodlands Bank, and you can see how they compare in the Woodlands Bank rate tables below. MonitorBankRates evaluates the financial stability of Woodlands Bank with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.42%. Database rates last updated and verified on 09/19/2026.

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

C+

Fair Health Score: 79/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

25.42%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Woodlands Bank

2450 E 3rd St
Williamsport, PA 17701

https://www.woodlandsbank.com

Woodlands Bank Checking Rates

Product	Rate	APY	View More
Now Checking	-	0.05%
Min Balance $1,000 Details No Monthly Fees if $1,000 Minimum Daily Balance is Maintained; No Fees at Moneypass or Liberty Alliance ATMs; Paper Statements or E-Statements; Free Mobile Banking; Free Online Banking; Free Checks for Customers Over 55 Years Old; Open Online Last Updated 09/19/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.42%

Woodlands Bank Other Rates

Product	Rate	Points	APY/APR
Cash Rewards Loan	-	-	3.00%
Details Qualifications Required: At least 12 debit card purchases; 1 ACH debit or bill payment; 3.00% Cash Rewards on Everyday Debit Card Purchases; Refunds on ATM Fees, Nationwide; E-Statements Required; Free Mobile Banking; Free Online Banking; Open Online Last Updated 09/19/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.42%
High Interest	1.49%	-	1.50%
Details Qualifications Required: At least 1 bill pay or ACH payment transaction; At least 12 debit card purchases; Interest rate of 1.490% will be paid on the portion of your daily balance that is less than or equal to $20,000 and the annual percentage yield (APY) for this tier is 1.50%. An interest rate of 0.250% will be paid on the portion of your daily balance that is greater than $20,000. This will result in an APY for this tier ranging from 1.50% to 0.25%, depending on the account's entire balance. When High Interest account qualifications are not met, the interest rate paid on the High Interest account will reflect 0.0499% on the entire balance, with an APY of 0.05% and ATM fees are not refunded. Refunds on ATM Fees, Nationwide; E-Statements Required; Free Mobile Banking; Free Online Banking; Open Online Last Updated 09/19/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Woodlands Bank’s Texas Ratio fell from 29.49% in Q3 2023 to 25.42% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.4 to 4.1 and its Health Grade from D to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$640M	25.42%	4.1	C+
March 31, 2026	$633M	22.15%	4.4	B-
December 31, 2025	$616M	24.66%	4.2	C+
September 30, 2025	$631M	26.24%	4.1	C+
June 30, 2025	$618M	23.43%	4.2	B-
March 31, 2025	$613M	24.31%	4.0	C+
December 31, 2024	$601M	24.81%	3.8	C
September 30, 2024	$620M	19.54%	4.2	B-
June 30, 2024	$614M	8.21%	4.0	B
March 31, 2024	$609M	7.43%	4.0	B
December 31, 2023	$612M	5.50%	4.0	B+
September 30, 2023	$608M	29.49%	3.4	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19901010

FDIC Insurance Date 19901010

Domestic Offices 8

Total Branches 8

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 79/100

4.1

Excellent Out of 5.0 Stars

25.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1823%

Return on Equity (ROE) 15.3500%

Non-Performing Loans (NPL) 1.99%

Total Assets $640,262,000

Total Deposits $574,220,000

Equity Capital $50,025,000

Net Income $3,724,000

Headquarters Williamsport

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

There are no reviews for Woodlands Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Woodlands Bank

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.