PENNS WOODS BANCORP INC

PENNS WOODS BANCORP INC

PENNS WOODS BANCORP INC (ticker PWOD) operates under the State Commercial Banks SIC framework as a community-focused bank headquartered in Pennsylvania, offering deposit, lending and treasury services to local consumers, small businesses, and agricultural borrowers in its service region. The company relies on checking and savings accounts plus commercial real estate, agricultural and consumer loans to fund its balance sheet while navigating interest-rate sensitivity, credit quality shifts and tightening capital requirements imposed by state regulators and the FDIC. Its board keeps close watch on liquidity metrics and the evolving compliance landscape that includes bank secrecy, anti-money-laundering rules, and periodic stress testing, all of which add operational friction and can limit growth if not managed carefully. CIK 716605 anchors its disclosures, the most recent being a Form 10-Q filed Nov 1999 that sheds light on historical asset allocation choices and risk management practices. See live SEC filings on Earnings Feed.