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 [...]

Signs Your Office is Ready for a Dental Practice Loan

Successful dental practices require more than clinical expertise; they demand strategic financial planning. As offices [...]

How to Secure Your Dental Practice Loan

If you are starting or expanding a dental practice, you will likely require significant financial [...]

How to Plan for Interest Rate Adjustments on Your Maryland ARM

Adjustable-rate mortgages (ARMs) provide homeowners with a flexible mortgage option. While fixed-rate loans have a [...]

How to Maneuver the Initial Rate Period of Your Maryland Adjustable-Rate Mortgage (ARM)

An adjustable-rate mortgage (ARM) is a home loan with an interest rate that changes over [...]

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