Penns Woods Bancorp, Inc. is a high-risk bank holding company in the United States of America. They operate Jersey Shore State Bank and Luzerne Bank, providing a range of retail banking, commercial banking, mortgage services, and financial services in North Central and North Eastern Pennsylvania. With a Risk Rating Score of 35.0, Penns Woods Bancorp, Inc. is focused on ESG principles while offering various banking products through branch offices, ATMs, Internet, and telephone banking channels to serve their communities effectively.