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 [...]

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 [...]

Top 5 Reasons Maryland Residents Choose HELOC for Home Renovations

Home equity loan rates in Maryland have driven many homeowners to seek better ways to [...]

Primary Differences Between Investment Mortgage vs. Traditional Mortgage

When buying a new property in Maryland’s competitive market, mortgage borrowers should know the differences [...]

Advantages of Fixed-Rate Mortgages During Economic Uncertainty

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

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