Penns Woods Bancorp is the holding company for Jersey Shore State Bank (named for the Pennsylvania town, not the coastal vacation spot), which serves north central Pennsylvania through about a dozen branches. The bank accepts deposits from individuals and local businesses, offering checking and savings accounts, money market and NOW accounts, and CDs. Residential real estate loans and commercial mortgages make up the majority of the bank's loan portfolio. The bank's lending activities are rounded out by agricultural, commercial, and consumer loans. Bank subsidiary The Comprehensive Financial Group offers insurance and brokerage services.