Penns Woods Bancorp Investor Relations Material

Penns Woods Bancorp, Inc. is a financial holding company headquartered in Williamsport, Pennsylvania. It operates through its subsidiaries, Jersey Shore State Bank (JSSB) and Luzerne Bank, offering a wide range of banking services including commercial and retail banking, mortgage services, and financial planning. The company’s services include deposit products such as checking, savings, and certificate of deposit accounts, as well as various loan products like residential and commercial real estate loans, consumer loans, and agricultural loans. In addition to banking, Penns Woods Bancorp also provides insurance services through United Insurance Solutions, covering areas like home, auto, and life insurance. The company is headquartered in Williamsport, Pennsylvania, and its shares are listed on the NASDAQ.