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Susquehanna Community Bank loans review

Susquehanna Valley farmers can benefit the most from this six-location bank.

Bottom line: Agriculture businesses and other local operations can benefit from a wide range of low-cost financing from this community-oriented lender. But look elsewhere for term loans and SBA 7(a) loans. Read our full review.

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Types of loans availableBusiness lines of credit, agriculture loans, equipment loans, SBA 504 loans, commercial real estate financing, personal loans, personal lines of credit, auto loans, HELOCs, mortgages
Online applicationsNo
Number of branches7
Branch hours8:30 a.m. to 5 p.m. Monday through Thursday, 8:30 a.m. to 6 p.m. Friday, 8:30 a.m. to 12 p.m. Saturday
Customer service hoursNot stated
Customer service optionsForm email, phone
Mobile appYes
Routing number31315544


  • All branches open on Saturday
  • Special financing programs for agriculture industry
  • Mobile app


  • Only SBA 504 loans — no 7(a) loans
  • No general-use term loan for businesses
  • More limited options for industries outside of agriculture

Our take on Susquehanna Community Bank

Susquehanna Community Bank (SBC) is a small bank with six branches along the Susquehanna River in Pennsylvania — not to be confused with Susquehanna Bank that was acquired by BB&T. Its stated mission is to "help our family, friends and neighborhood succeed," and it won a spot on the US Banker Magazine's national list of top community banks in 2020.

Susquehanna Community Bank offers most of your standard business loans, plus a specialized program for agricultural businesses. All branches are open on Saturdays and at least half an hour outside of business hours every day — rare for a community bank. And you can manage your accounts on your phone, thanks to its mobile app.

But like most small banks, SBC doesn't have everything. For general-use term loans, you'll have to go to another lender. And while it's an SBA lender, it doesn't offer loans through the popular 7(a) program.

SCB specializes in agriculture loans

You can find the following types of financing for business and personal use at this local lender. Most business financing options are designed for agriculture, though they aren't exclusive to the industry.

  • Business lines of credit give you access to cash as needed to cover working capital, seasonal costs and as a safety net for unexpected expenses.
  • Equipment loans are backed by the equipment you purchase with a fixed interest rate.
  • SBA 504 loans for equipment, real estate or construction with a government guarantee.
  • Agriculture loans designed specifically for farmers and other businesses in the agriculture industry.
  • Commercial real estateloans to buy, remodel, build or refinance real estate for your business.
  • Unsecured personal loans from $2,500 with rates starting 14.19% APR can fund a personal expense without collateral.
  • Auto and recreational loans for new, used and classic cars, as well as recreational vehicles. Rates start at 6% APR.
  • Eagle Express lines of credit for ongoing personal expenses with a variable interest rate.
  • Eagle Premium lines of credit offers Pennsylvania residents with at least $100,000 in an Eagle Premium savings account access to credit backed by funds in the account.
  • Freedom home equity line of credit offers credit limits up to 89% of your home's appraised value, with a 10-year draw period and a 20-year term.
  • Mortgages and a variety of home loans, including FHA, USDA and VA loans are also available at SCB.

More programs for agriculture businesses

Susquehanna has a dedicated financing program for agriculture businesses that could have more options than its standard loan programs. This includes the Ag Farmstead Loan, which you can use to purchase agricultural real estate. Contact Agriculture Relationship Manager Sarah Maneval at 570-568-4405 to learn more about your borrowing options.

Set up an appointment to apply

In most cases, you have to set up an appointment with a loan officer to get a loan through SCB by calling 570-568-6851 to speak with a representative. The one exception is the Eagle Premium line of credit, which has an online application. All business loans and other types of financing are handled in person.

Typically you'll discuss your business's finances and borrowing options to come up with a loan or line of credit that best fits your business's needs. This can take a few weeks the first time around. But the funding process is typically faster once you have a relationship with the bank.

Susquehanna Community Bank business loan alternatives

An online lender can be a faster option when you don't have time to spend on an application. These providers don't offer same personal relationship you might find with SCB, but can get funded within 24 hours in some cases. Select a few pieces of information about your business to compare business loans available online. If you don't meet the requirements set by the lender your application will be rejected.

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Susquehanna Community Bank has few customer reviews

BBB accredited No
BBB rating A+
BBB customer complaints 1 customer complaints
Yelp 1 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of 19 August 2021

SCB only has a few online reviews and complaints, which is common for a bank of this size. You can get a better sense of what to expect by speaking to other Pennsylvania business owners who have borrowed from this bank.

What do employees say?

There are fewer employee reviews of this bank than appears at first — Indeed mixes reviews from Susquehanna Bank and SCB. Most are positive, though it's not enough to make a judgment. Usually, positive employee reviews can translate into a positive customer experience.

More products available at this community bank

You might also want to consider these products for your business or yourself if you choose to borrow with SCB:

  • ACH processing
  • Checking and savings accounts
  • Credit cards
  • IRAs
  • Merchant services
  • Personal CDs
  • Personal money market accounts

Susquehanna Community Bank has been around for a century

SCB first opened its doors in 1920 in West Milton, Pennsylvania under the name West Milton State Bank. It remained small for most of its 100-year history, only adding more branches in the 1980s.

It changed its name to Susquehanna Community Bank in 2018 to reflect its six locations along the Susquehanna River. But it serves customers in over 39 states, thanks in part to its network of 55,000 ATMs.

Take time to read about other providers to see how SCB compares.

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