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 [...]

The Key to Seamless Homebuilding: Understanding Construction-to-Permanent Financing

The real estate market is aging, with over half of owners living in homes built [...]

Business Loan Definitions

As a small business owner, you’ll likely face a time when you need access to [...]

An Overview of SBA Loans

The Small Business Administration’s (SBA’s) loan program is designed to help small business owners get [...]

Construction-to-Permanent Loans vs. Traditional Mortgages

While existing at a 13-year low in 2023, sales of newly constructed homes exceeded industry [...]

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