🏦Bank Scorer

This institution is no longer active

Operations ceased on July 25, 2025. CRA examination history below reflects the period it was active.

JERSEY SHORE STATE BANK

WILLIAMSPORT, PA · Supervised by FDIC

Est. 1934FDIC #14,359RSSD: FDIC-14359
Part ofPENNS WOODS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

300 Market St, WILLIAMSPORT, PA

County

Lycoming County

Established

May 12, 1934

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.1B

Net Loans

$1.3B

Net Income

$9M

ROA

1.10%

ROE

12.77%

Risk-Based Capital

11.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.71%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,90984.08%6.71%
20232,02083.32%7.38%
20222,09188.52%5.02%
20212,08385.26%6.58%
20202,10789.23%4.51%
20191,91486.05%6.90%
20181,99485.36%6.87%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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