Penns Woods Bancorp (NASDAQ:PWOD) is a West Chester, Pennsylvania–based bank holding company serving southeastern Pennsylvania through its wholly owned subsidiary community bank. The company delivers a suite of deposit, lending and cash management products to individuals, families and small-to-mid-sized businesses across Chester and Delaware counties. With several locally managed branches, Penns Woods Bancorp emphasizes relationship-driven service and community engagement.
For retail customers, Penns Woods Bancorp offers checking and savings accounts, money market funds, certificates of deposit and individual retirement accounts. The bank’s lending portfolio encompasses residential mortgage loans, home equity lines of credit and consumer installment loans, designed to meet the financing needs of homeowners and borrowers at various life stages. Commercial clients have access to business checking, commercial real estate financing, equipment loans, lines of credit and treasury management services, supported by online and mobile banking platforms for ease of account management.
The organization traces its roots to locally chartered banks founded in the early 20th century, with consolidation under the Penns Woods Bancorp holding company in the mid-2010s. Since its establishment, the company has executed a steady growth strategy through both de novo branch openings and targeted acquisitions, maintaining strong capital and credit standards. This measured approach has reinforced the bank’s ability to serve the evolving needs of its regional customer base while preserving its community banking ethos.
Penns Woods Bancorp’s executive leadership team comprises seasoned professionals with extensive backgrounds in retail and commercial banking, risk management and operations oversight. Guided by a board of directors with deep local ties, the company remains focused on delivering tailored financial solutions, expanding its digital capabilities and fostering long-term client relationships that support the economic vitality of the communities it serves.
