serving our community since 1899


The community may change, but our dedication to it never will. Since 1899 we have remained committed to providing a true community banking experience with unsurpassed personal service. At Woodsboro Bank we place community at the center of every transaction. We're not only in Frederick County, we're from here. We've built our business, reputation, and our lives around the same place you call home. We understand the community, your community, and strive to put its needs first.


  • Community focused
  • All decisions made locally
  • Experience that matters
  • In business over 120 years


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How To Calculate Loan-To-Value Ratio (LTV)

A borrower’s loan-to-value ratio is one of the factors that is considered by lenders when deciding whether to approve a loan application. This figure is also used to determine whether [...]

Requirements for a Commercial Loan

When a business wants to purchase commercial property, but does not have the ability to pay cash for it, a commercial loan can be used to finance commercial property. These [...]

Small Business Guide to Getting an SBA Loan

Many of the small businesses seeking funding are drawn to the long terms and low rates of SBA loans. Here is a look at what sets these loans apart from [...]

Using a HELOC to Finance Home Renovations in Maryland

Do you have a mortgage loan you've been paying for a while? If yes, you [...]

Determining the Right Loan Term for Your Fixed-Rate Mortgage

There are many factors to consider when taking out a mortgage in Maryland. Three of [...]

Caps and Limits in Maryland Adjustable-Rate Mortgages

Adjustable-rate mortgages (ARMs) are home loan options with interest rates that can change depending on [...]

How to Improve Your Chances of Mortgage Approval in Maryland

Homeownership is the American dream, providing stability, security, and a sense of belonging. However, home [...]

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