The Bank of Landisburg

What The Bank of Landisburg does

The Bank of Landisburg is an independent community bank headquartered in Landisburg, Perry County, Pennsylvania, founded in 1903 with $10,000 in initial capital. The bank operates four physical branches across Perry County (Landisburg as headquarters, Blain since 1905, Shermans Dale since 1978, and Newport since January 2016) plus a 24-hour ATM in Loysville, and is the only independent community bank headquartered in Perry County after rival community banks (Duncannon, Newport, Marysville) ceased independent operation. The bank converted from a private unincorporated institution to an FDIC-insured, state-chartered, Federal Reserve Member bank on April 20, 1992, having briefly been the last operating private bank in Pennsylvania and possibly the United States.

The bank's product set spans personal and commercial banking: checking accounts (with NOW and Super NOW interest-bearing variants), tiered savings, money market accounts, CDs and IRAs (including 3.68% APY promotional specials effective June 22, 2026), mortgages, home equity loans and HELOCs, consumer vehicle and personal loans, business checking, business loans (commercial mortgages, lines of credit, equipment, agricultural), merchant card services (via Approved Payment Solutions), credit cards (via Elan Financial Services), and ACH/wire transfer services. Digital distribution includes a 24/7 online banking platform, a dedicated mobile banking app on Google Play and Apple App Store, and automated telebanking. Core technology is standard third-party community banking infrastructure rather than proprietary systems.

The revenue model is conventional community bank economics: net interest income from loans (mortgages, home equity, consumer, business, agricultural, credit card) funded by deposits (NOW, Super NOW, money market, savings, CDs, IRAs), supplemented by transaction-based fees from merchant card services, credit card interchange (via Elan), wire transfers, and ACH processing. The go-to-market is community-led and relationship-driven, with marketing concentrated on the bank website, Facebook, mobile app store listings, BauerFinancial recognition, and physical branch presence. Customers are horizontally segmented across individuals, small businesses, agricultural operators, commercial real estate borrowers, and municipal/non-profit organizations within a single county footprint.

Name

The Bank of Landisburg

Legal name

The Bank of Landisburg

Website

https://bankoflandisburg.com

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

11–50 employees

Short description

The Bank of Landisburg is an independent FDIC-insured community bank founded in 1903, serving individuals, small businesses, agricultural operators, and municipal organizations in Perry County, Pennsylvania through four branches, digital channels, and partner-enabled merchant and credit card services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABAAAI

Small Business Banking (Microbusiness/Sole Proprietor)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

• Community banking
• Personal banking services
• Commercial lending
• Deposit accounts
• Merchant card services

Headquarters

HQ city

Landisburg

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The bank generates revenue primarily through interest earned on various loan products including mortgages, home equity loans, consumer loans, business loans, agricultural loans, and credit cards.
2. Deposit Interest: The bank pays interest on deposit accounts including checking, savings, money market accounts, CDs, and IRAs, with rates varying by account type and balance tier.
3. Merchant Card Services: The bank provides merchant card processing services in partnership with Approved Payment Solutions, enabling businesses to accept credit and debit card payments.
4. Credit Card Services: Credit cards are issued through Elan Financial Services, providing the bank with interchange fees and partnership revenue.
5. Wire Transfer Services: Domestic and international wire transfer services generate fees for the bank.
6. ACH Services: Automated Clearing House services for electronic transactions including direct deposit and bill pay.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

The Bank of Landisburg is a community bank that provides a full range of personal and commercial banking products and services to individuals, small businesses, agricultural operations, municipal entities, and non-profit organizations in Perry County, Pennsylvania. Core offerings include checking and savings accounts, money market accounts, CDs and IRAs, mortgages and home equity loans, consumer and business loans, credit cards, merchant card processing, ACH and wire services, plus digital banking via online, mobile, and telebanking channels.

Product overview

The Bank of Landisburg offers a comprehensive suite of banking products organized into personal and business categories. Personal banking includes checking accounts (with NOW and Super NOW interest-bearing options), savings accounts, money market accounts, CDs and IRAs, mortgages, home equity loans/HELOCs, consumer loans for vehicles and personal use, and credit cards. Business banking encompasses business checking accounts (including interest-bearing options), business loans (commercial mortgages, lines of credit, equipment loans, agricultural loans), merchant card services, and ACH/wire services. Digital banking capabilities include online banking, mobile banking app, and telebanking services. The bank operates four branch locations in Pennsylvania (Landisburg, Blain, Shermans Dale, Newport) and one ATM in Loysville.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

One partnership is on record.

• Approved Payment SolutionscoreTechnology or IntegrationThe Bank of Landisburg partners with Approved Payment Solutions to provide Merchant Card Services. This partnership enables the bank to offer its business customers options to accept Visa, MasterCard, Discover, and American Express credit cards, as well as debit card processing. Services include traditional terminals, mobile payment solutions, and web-based processing along with professional gift card services.

Scale indicators5 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• LINKBANK: Pennsylvania community bank offering similar deposit, consumer lending, and business banking products. Operates in overlapping central Pennsylvania geography.
• F&M Trust: Franklin County, PA community bank offering personal and business banking, mortgages, and agricultural loans. Highly comparable in scale, product mix, and central Pennsylvania community focus.
• ACNB Bank: Pennsylvania-based community bank headquartered in Gettysburg, offering personal checking/savings, mortgages, agricultural loans, and business banking. Similar product set and rural Pennsylvania community focus.
• First Keystone Community Bank: Pennsylvania community bank offering consumer deposits, mortgages, business loans, and digital banking. Comparable operating model and rural Pennsylvania footprint.
• Mid Penn Bank: Central Pennsylvania community bank with comparable retail and commercial banking products, including agricultural lending and small business services. Operates in a similar geographic niche.
• First National Bank of Pennsylvania (FNB Corporation): Headquartered in Pittsburgh, FNB is a Pennsylvania community-focused bank offering similar deposit, consumer, business, and mortgage products across the state. Comparable business model, though significantly larger.
• Penn Community Bank: Pennsylvania community bank with comparable personal and business banking, mortgage, and digital banking offerings. Similar target customer segments in eastern/central PA.
• Juniata Valley Bank: Pennsylvania-based community bank with similar rural footprint and full-service personal/business banking, including mortgages and agricultural lending. Closest comparable by size and geographic positioning to The Bank of Landisburg.
• Citizens & Northern Bank: Northern Pennsylvania community bank providing personal and business banking, mortgages, and wealth services. Comparable in product breadth and community bank positioning.

Broad incumbents

• PNC Financial Services: One of the largest U.S. retail banks headquartered in Pittsburgh, PA; competes with The Bank of Landisburg for retail and small business customers in Perry County but operates at much greater scale with broader digital capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 The Bank of Landisburg