Better Health for All

The company's principal goods and services are commercial and retail banking, which have no significant direct positive or negative health impact. No evidence suggests the company derives revenue from products or activities with negative health outcomes. The company's banking products and services do not have direct safety implications for physical or mental health, nor do they constitute health-related products or services requiring accessibility considerations. The business model does not directly involve serving vulnerable populations with health needs. While the company's subsidiary, Jersey Shore State Bank,

provides loans to organizations offering health services and food support, and invests in school district municipal bonds supporting districts with over 50% of students qualifying for free or reduced-price lunch, these are community development activities and not the firm's principal goods or services. There is no evidence of health-related R&D investment, significant health externalities, or specific health equity programs. The company offers flexible work schedules and remote work options to its workforce, but this is not directly related to strengthening healthcare workforce capacity. The company does not engage in preventative health or treatment activities, nor does it collect or manage health-related data. There is no information regarding its response to global health crises, mental health initiatives, health-related patents, nutritional quality of food products, health education, addiction mitigation, or clinical trial ethics.

Fair Pay & Worker Respect

In 2023, the CEO-to-median employee pay ratio was 33:1.

No other relevant quantitative data for the specified KPIs was found in the provided articles.

Fair Trade & Ethical Sourcing

No specific, concrete data points were found in the provided articles to assess Penns Woods Bancorp, Inc. against any of the Fair Trade & Ethical Sourcing KPIs.

While mentions the existence of a Supplier Diversity Program and a registration process for diverse suppliers, it explicitly states a lack of quantitative data regarding the percentage of procurement budget directed to such suppliers. For all other KPIs, the articles explicitly state that no data was found.

Honest & Fair Business

The company has a comprehensive whistleblower policy, updated in June 2017 and approved by the Board in March 2015, which encourages staff to report fraudulent or dishonest conduct.

Employees can report concerns to a supervisor, manager, or directly to the Audit Committee Chairperson, or via a dedicated, independent voice mailbox (Complaint Hotline: 570-567-2083) for confidential, anonymous submissions regarding accounting or auditing matters. The policy includes protection against retaliation, and a process for employees to report perceived retaliation to the Human Resources Manager. All complaints are logged, tracked for receipt, investigation, and resolution, with periodic summary reports made to the Audit Committee. The Audit Committee is responsible for determining the appropriate internal or external independent parties to investigate complaints and ensuring prompt corrective action. The Board also prohibits attempts to discover the identity of anonymous submitters or disclose confidential information, unless legally required.

Respect for Cultures & Communities

The provided articles focus primarily on the financial performance of PWOD.US and job listings. While one article mentions specific donations totaling $13,000 to local educational and health foundations, this information does not align with the specific quantitative thresholds or qualitative requirements of the 'Respect for Cultures & Communities' KPIs.

No evidence was found regarding formal partnerships with indigenous or local community groups, cultural appropriation incidents, cultural impact assessment protocols, local employment ratios, grievance mechanisms, FPIC processes, community governance inclusion, cultural preservation investments, local procurement, indigenous suppliers, cultural site protection, social license, charitable giving to cultural organizations, community fund allocation, language inclusivity, cultural incident response, or cultural sensitivity training. Therefore, no KPIs could be scored based on the provided evidence.

Safe & Smart Tech

The company has not experienced any cybersecurity threats that have materially affected its operations or financial condition to date, as stated in a March 2025 filing.

In 2024, the company invested $4.1 million in cybersecurity, achieving a 99.8% intrusion prevention rate. This investment represents approximately 6.07% of its $67.587 million revenue in 2024. The company maintains an Incident Response Plan that is reviewed and tested at least annually. The Information Security Officer (ISO) supervises internal employee training relating to cybersecurity risks. The ISO also conducts access reviews relating to the Corporation's information systems. The company has a strong compliance record, passing the 2023 Federal Reserve stress test, achieving 100% timely risk management reporting, and having zero critical deficiencies in 2023 regulatory examinations. AI risk assessment systems improved accuracy by 62%.

Zero Waste & Sustainable Products

The provided articles offer a general sustainability analysis of Penns Woods Bancorp, Inc., noting a negative impact in 'Waste' as part of its overall net impact ratio.

However, the articles explicitly state that no specific quantitative data is available for any of the detailed metrics related to waste management, product recyclability, packaging sustainability, or other zero-waste and sustainable product practices. Therefore, no KPIs can be scored based on the provided evidence.