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Jersey Shore State Bank

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Jersey Shore State Bank Rates & Review May 2026

Q: How many branches does Jersey Shore State Bank operate?

Jersey Shore State Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jersey Shore State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 13, 2026

You can compare Jersey Shore State Bank rates to other rates in our database, including 12-month CD rates currently at 2.52%, 6-month CD rates at 0.10% and 3-month CD rates at 3.02%. Savings rates are at 0.50% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to Jersey Shore State Bank rates. MonitorBankRates evaluates the financial stability of Jersey Shore State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.66%. Rates were last updated on 05/13/2026.

Jersey Shore State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jersey Shore State Bank? Share your experience about Jersey Shore State Bank by leaving a review below, or read customer reviews before you decide to use Jersey Shore State Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.66%

Excellent Lower than avg

Jersey Shore State Bank

300 Market St
Williamsport, PA 17701

Current Rate Availability

We do not have Jersey Shore State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Jersey Shore State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Jersey Shore State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jersey Shore State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Jersey Shore State Bank

Bank Holding Company PENNS WOODS BCORP INC

Address 300 Market St, Williamsport, PA 17701 · Lycoming

Website https://www.jssb.com

FDIC Certificate # 14359

Established 05/12/1934

FDIC Insurance Date 05/12/1934

Domestic Offices 18

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7051%

Return on Equity (ROE) 9.4700%

Non-Performing Loans (NPL) 0.13%

Total Assets $1,615,808,000

Total Deposits $1,130,830,000

Equity Capital $141,824,000

Net Income $8,844,000

Headquarters Williamsport

Total Offices 18

Source: FDIC | Last Updated 06/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Jersey Shore State Bank

How many branches does Jersey Shore State Bank operate?

Jersey Shore State Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Jersey Shore State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jersey Shore State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Jersey Shore State Bank offer online and mobile banking?

Most modern institutions like Jersey Shore State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jssb.com.