Woodsboro Bank is a bank based in Woodsboro, Maryland, established in 1899, with $470 million in total assets across 5 branches. By Trust Grade it ranks 27th of 28 banks we track in Maryland. Its capital ratio of 7.0% trails most similarly sized banks (7th percentile), versus a Maryland median of 11.3%. It was profitable over the most recent period, with a 1.16% return on assets. No consumer complaints against Woodsboro Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Woodsboro Bank compares to Maryland peers
How we graded Woodsboro Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.0% capital ratio)
- Strongly profitable (ROA 1.16%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Woodsboro Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 143 Frederick Rd, Thurmont, MD 21788
- 900 N East St, Frederick, MD 21701
- 4-6 West Patrick Street, Frederick, MD 21701
- 40 West Patrick Street, Frederick, MD 21701
- 5 N Main St, Woodsboro, MD 21798
Are deposits at Woodsboro Bank insured?
Yes. Woodsboro Bank is an FDIC-insured bank (FDIC certificate #5873). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Woodsboro Bank: frequently asked questions
Is Woodsboro Bank a good bank?
Woodsboro Bank earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (7.0% capital ratio); Strongly profitable (ROA 1.16%).
Is Woodsboro Bank FDIC-insured?
Yes. Woodsboro Bank is a FDIC-insured bank (FDIC certificate #5873). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Woodsboro Bank?
Woodsboro Bank holds $470 million in total assets, ranking 27th of 28 banks we track in Maryland. It operates 5 branches.
Does Woodsboro Bank have CFPB complaints?
No CFPB complaints against Woodsboro Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
