WILLIAMSPORT — Woodlands Financial Services Company (WFSCo.), the parent bank holding company of Woodlands Bank, reported both its fourth quarter and annual financial results for 2025.

According to a release from the company, WFSCo. trades its shares publicly on the OTCID (Over-the-Counter Integrated Disclosure) Market under the symbol WDFN.

Woodlands Bank, the sole subsidiary currently operating under the parent company, is headquartered in Loyalsock Township with seven additional community offices located across Lycoming and Clinton Counties.

Woodlands Bank is the only community bank with its headquarters located in either of those two counties.

WFSCo. had just under 1.4 million shares outstanding as of the end of 2025, and its most recent market share price was $29.28 per share, the release said.

President and CEO Jon P. Conklin said the bank’s performance for the quarter and for the year was solid and reflected the results of some balance sheet management strategies aimed at expanding interest rate margins and shoring up its capital base that had been deployed since 2023.

These strategies were necessary mainly due to one external factor, the Federal Reserve Open Market Committee’s (FOMC’s) highly aggressive monetary policy actions taken to tamp down rampant inflation at that time, and one internal factor, a significant loan loss sustained during that same year. Over the course of 2025, the positive impacts of these concerted tactics became increasingly apparent in terms of the incremental gains achieved in the bank’s profitability metrics and regulatory capital ratios.

“There is nothing more satisfying than reaping the rewards of all the hard work and dedication that I have witnessed over the last few years from Woodlands Bank employees across the organization,” said Conklin. “There is now a solid financial footing from which we can confidently embark on our new strategic plan, which is primarily aimed at seizing on the opportunities in our current markets for significant continued growth. Additionally, we are also now poised to leverage the tools at our disposal in achieving those objectives following significant, long-term investments made with respect to our technology.”

Woodlands Bank underwent conversions of its core and most of its ancillary systems in October 2024, and now partners with COCC, headquartered in Southington, Conn., in providing modern technology solutions to both its customers and its employees.

Net income for the quarter for WFSCo. was $1.58 million, an increase of 17.5 percent from the previous quarter, $1.34 million, and 51.0 percent from the fourth quarter of 2024, $1.05 million, the release said. An annual net income of $5.20 million was attained for 2025, which is a 67.2 percent increase over the annual net income for 2024, $3.11 million, with a Return on Average Assets (ROAA) improving in each quarter of the year and ending with a fourth quarter ROAA of 0.99 percent.

The release continued, saying these results were mainly driven by improvements in the overall interest margins of the bank, which rose from 2.89 percent in December 2024 to 3.33 percent in December 2025. These increases can be attributed to both market factors as well as the strategic successes mentioned previously.

In addition to a much-improved net interest income, WFSCo. has been able to steadily grow its non-interest income, which includes the earnings of its Trust and Asset Management Department as well as bank fees, service charges, and other sources of income not attributable to interest margins. With a constant focus on managing non-interest expenses, a year-over-year increase of only 1.31 percent was achieved despite the bank operating in a larger economy which has experienced increased costs of labor as well as that of products and services across nearly all expense categories.

Since the end of 2024, total assets have grown from $601.0 million to $615.8 million, 2.48%. Over the same period, total deposits increased from $535.9 million to $553.6 million, 3.29%, reflecting the growth in core deposits and customer relationships during the year. Shareholder equity increased from $35.7 million at the end of 2024 to $43.3 million at the end of 2025, 21.38%, with tangible equity increasing 7.69% over the same period. The bank’s liquidity position is strong; however, credit metrics remain stubbornly elevated. These metrics are driven by a handful of larger balance credits for which positive movement is expected to be seen during the first quarter 2026. Management is confident that most of the credits driving these elevated credit quality metrics will be either paid off or returned to performing loan status by the borrowers over the coming year. In addition, sufficient collateral coverage exists for nearly all these credits with specific reserves in the Allowance for Credit Losses (ACL) making up for any shortfalls. Therefore, management does not anticipate any of these credits having a direct negative impact on the net income of WFSCo. as they currently stand.

The release said, “opportunities abound entering 2026, and the management and Board of Directors are excited about the prospects for growth in quality earnings assets and core customer relationships. With an eye on the ultimate strategic goal of remaining an independent community bank for the long-term, seizing upon these opportunities for establishing new core relationships and broadening and strengthening of existing relationships will allow Woodlands Bank to solidify its role as the premiere community bank in its current markets which will position it perfectly for expanding its presence well beyond those current boundaries.”

To find out more about products and services offered as well as its eight convenient locations across Lycoming and Clinton Counties, please check out Woodlands Bank’s website at https://www.woodlandsbank.com.