Bank holding company offering banking and financial services through its subsidiary, Jersey Shore State Bank.
Penns Woods Bancorp, Inc. functions as the bank holding company for Jersey Shore State Bank and Luzerne Bank, offering a comprehensive suite of commercial and retail banking services to a diverse clientele, including individuals, partnerships, non-profit organizations, and corporations. The company’s deposit products encompass time deposits, demand deposits, and savings deposits, featuring super NOW accounts, statement savings accounts, money market accounts, certificates of deposit, checking accounts, and individual retirement accounts. This variety ensures that clients can find suitable options for their savings and transaction needs, providing both security and flexibility in managing their finances. Founded in 1907 and headquartered in Williamsport, Pennsylvania, Penns Woods Bancorp boasts a long history of dependable service.
Penns Woods Bancorp also provides an extensive array of loan products designed to meet various financial requirements. These include residential, commercial, and construction real estate loans, agricultural loans for real estate purchase or improvement, and commercial loans for real estate acquisition, equipment purchase, and working capital. Additionally, the company offers letters of credit, consumer loans like construction and residential mortgages, home equity loans and lines of credit, automobile financing, personal loans, lines of credit, and revolving credit loans with overdraft protection. This broad lending portfolio supports a wide range of financial goals, from home buying and construction to business expansion and equipment financing.
Beyond traditional banking services, Penns Woods Bancorp engages in securities brokerage and financial planning services, including the sale of life insurance products, annuities, and estate planning services. The company also offers property and casualty, and auto insurance products, along with safe deposit services, ATM services, and internet and telephone banking services. Its involvement in real estate transactions and investment activities further diversifies its service offerings. Operating through a network of twenty-seven offices in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania, Penns Woods Bancorp leverages its extensive regional presence to deliver personalized and comprehensive financial solutions to its community.