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


Visit Our Online Banking FAQ Page



banking solutions 1


Get Started



Get Started


banking solutions 3


Get Started


investment image


Get Started


banking solutions 1


Get Started



Get Started


banking solutions 3


Get Started


investment image


Get Started


blogs and resources

View all

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 Role of Down Payments: How Much Do You Need for a Maryland Home Mortgage?

New homeowners navigating a competitive market in Maryland should know the role of down payments [...]

How to Lock in the Best Fixed-Rate Mortgage in Maryland

If you’ve already shopped around and found a Maryland home loan with an interest rate [...]

Advantages of Fixed-Rate Mortgages During Economic Uncertainty

Finding the right repayment plan for a home mortgage loan can be stressful for new [...]

How to Maximize Your ROI With an Investment Mortgage in Maryland

If you want to apply for an investment mortgage in Maryland, you should be prepared [...]

Nice things others say about us