Woodlands Bank

What Woodlands Bank does

Woodlands Bank is a community bank headquartered at 2450 East Third Street in Williamsport, Pennsylvania, operating since 1990. The bank serves individual consumers, small and medium businesses, and wealth management clients in the Williamsport, PA region through a network of eight branch locations supplemented by online and mobile banking channels. Its product portfolio covers the full retail and commercial banking stack: checking and savings accounts (including High Interest, Cash Rewards, Freedom, Now, Health Savings, Statement, Investor, Piggy, Holiday Club, CDs, and IRAs), home loans (Fixed Rate, Adjustable Rate, Construction, FHA, VA, USDA, HomeOne, Home Possible, Home Equity Loans/Lines, Bridge), personal loans (auto, RV, student, personal lines of credit), commercial loans (commercial real estate, working capital, equipment, vehicle, lines of credit), trust and asset management, investment services, merchant services, credit cards, and ancillary services such as safe deposit boxes, wire transfers, and notary services.

The bank operates on a traditional banking technology platform with online banking, mobile banking with mobile check deposit, and integrations with Zelle, Apple Pay, Samsung Pay, Google Pay, QuickBooks, and the MoneyPass ATM network. Its business model is a standard community bank revenue mix: net interest income from loans and deposits (subscription/recurring in nature) plus transaction-based fee income from monthly service charges, wire transfers, safe deposit box rentals, and merchant services. Pricing for retail accounts is not publicly disclosed; the High Interest Checking product requires a $1,000 daily minimum balance and qualification activities (bill pay/ACH plus 12 debit card purchases) to earn interest and avoid a $5.00 monthly service charge. The bank's go-to-market is community-led, emphasizing local decision-making, in-person relationship banking, and community engagement through events such as homebuyer seminars and the Everyday Hero Community Service Award program. The website references investor relations content including stock price information and quarterly/annual reports, suggesting public company status, though specific ticker information is not provided in the source data. Leadership consists of Jon Conklin as President and CEO.

Name

Woodlands Bank

Legal name

Woodlands Bank

Website

https://woodlandsbank.com

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Woodlands Bank is a community bank founded in 1990 serving individual consumers, small and medium businesses, and wealth management clients in the Williamsport, PA region through eight branches and digital channels, offering retail and commercial banking, mortgage, trust, and merchant services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industry

Bank Branch / Retail Purchase Mortgages (FSALAAAA)

Keywords

• Community banking services
• Retail banking products
• Commercial lending solutions
• Residential mortgage lending
• Trust asset management

Headquarters

HQ city

Williamsport

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional bank revenue from interest earned on loans (mortgages, personal loans, commercial loans) and deposits. Includes both variable and fixed rate products.
2. Banking Fees and Service Charges: Monthly service charges, wire transfer fees, safe deposit box rental fees, and other ancillary banking service fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Woodlands Bank is a community bank offering a comprehensive suite of retail and commercial banking products including checking accounts, savings products, certificates of deposit, IRAs, residential mortgages, home equity loans and lines of credit, consumer loans, commercial loans, merchant services, and credit cards. The bank also provides trust and asset management services and investment services. Services are delivered through eight branch locations in the Williamsport, Pennsylvania area supplemented by online and mobile banking platforms.

Product overview

Woodlands Bank is a traditional community bank offering a comprehensive suite of retail and commercial banking products. The core product portfolio includes personal checking and savings accounts, home mortgages (through various programs like FHA, VA, USDA, and conventional loans), personal loans (including auto, RV, and student loans), and commercial lending solutions. The bank differentiates through trust and asset management services, investment services, and digital banking capabilities including online and mobile banking with mobile check deposit. Additional services include merchant services for business customers, credit cards, fraud protection, and ancillary services such as safe deposit boxes, wire transfers, and notary services.

Differentiator

Problem solved

Functional benefit

Brands

• Home Equity Master Line of Credit (HEMLOC): A home equity line of credit product that allows customers to utilize the equity in their home.

Products and services

• Checking Accounts
• Savings Products
• Home Loans
• Personal Loans
• Commercial Loans
• Trust & Asset Management
• Investment Services

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Two partnerships are on record, tiered minor.

• Mortgage BankersminorGTM or Marketing PartnerJoint marketing partners for mortgage products and related financial services as disclosed in the privacy policy.
• Securities Broker-DealersminorGTM or Marketing PartnerJoint marketing partners for investment and securities products as disclosed in the privacy policy.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Jersey Shore State Bank: Jersey Shore State Bank is a Pennsylvania community bank headquartered near Williamsport, serving overlapping markets in north-central PA with retail deposits, lending, and wealth services — the most direct local peer given same geography and product mix.
• First Keystone Community Bank: First Keystone Community Bank operates a similar Pennsylvania community-banking model with retail deposits, commercial lending, and trust services across multiple branches in eastern PA, making it a close comparable on size, footprint, and product breadth.
• ACNB Bank (ACNB Corporation): ACNB Bank is a south-central Pennsylvania community bank providing retail banking, commercial loans, and trust services through community branches — directly comparable in business model and product suite.
• Penns Woods Bancorp (PSB): Penns Woods Bancorp is the parent of PSB and Luzerne Bank, both Pennsylvania community banks offering deposit products, mortgage lending, and wealth management to retail and small-business customers across the same regional footprint.
• Mid Penn Bank (Mid Penn Bancorp): Mid Penn Bank is a Pennsylvania community bank offering deposit accounts, mortgage and commercial lending, and treasury management to individuals and small businesses — a direct functional peer on community-banking operations.
• CNB Bank (CNB Financial Corporation): CNB Bank is a Pennsylvania-based community bank with retail and commercial banking plus wealth management across central PA — comparable scale, regional focus, and full-service product depth.

Regional players

• Muncy Bank & Trust Company: Muncy Bank & Trust is a small Pennsylvania community bank headquartered in Lycoming County, the same county as Woodlands Bank, serving overlapping retail and small-business customers with traditional banking products.

Broad incumbents

• M&T Bank Corporation: M&T Bank is a large super-regional bank with full-service retail, commercial, mortgage, and wealth capabilities across the Northeast — competes head-to-head with Woodlands in PA while serving many other geographies.
• FNB Corporation (First National Bank of PA): FNB is a much larger Pennsylvania-headquartered commercial bank with broad retail, commercial, and wealth services across multiple states — it competes with Woodlands in its core Williamsport market while operating at substantially greater scale.
• Northwest Bank: Northwest Bank is a Mid-Atlantic and Midwest regional bank offering community-style retail banking, mortgages, and commercial lending — overlapping product set to Woodlands but at meaningfully larger scale and broader geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Woodlands Bank