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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blogs and resources

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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 [...]

Construction-to-Permanent Loans vs. Traditional Mortgages

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

Cybersecurity Best Practices for Protecting Your Maryland Business Checking Account

Sixty-five percent of U.S. businesses experienced actual or attempted payment fraud in 2022. Recovering stolen [...]

The Role of Credit Scores in Maryland SBA Loan Approval

Small business owners who are unable to obtain private funding may qualify for SBA loans. [...]

What Documents Are Needed for a Small Business Loan?

When you apply for a small business loan, you will be expected to provide a [...]

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