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Susquehanna Community Bank loans review

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An option for farmers and other business owners to keep their financing local.

Agriculture businesses and other local operations can benefit from a wide range of low-cost financing from this community-oriented lender.

Business lines of credit, agriculture loans, equipment loans, SBA 504 loans, commercial real estate financing, personal loans, personal lines of credit, auto loans, HELOCs, mortgages

Types of loans available


Online applications


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

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

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 it 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.

What is 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.

Types of loans available at Susquehanna Community Bank

You can find the following types of financing for business and personal use at this local lender.

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

Loans 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.

How borrowing works

In most cases, you have to set up an appointment with a loan officer to get a loan through SCB. 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.

How to get started

Get started on a business loan application by calling 570-568-6851 to speak with a representative. Say you're interested in a business loan and ask to set up an appointment.


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


  • Offers SBA loans, but only through the 504 program
  • No general-use term loan program for businesses

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Susquehanna Community Bank reviews and complaints

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?

BBB accredited No
BBB rating A+
BBB customer complaints 1 customer complaints
Yelp 1 out of 5 stars, based on 1 customer reviews
Indeed 3.6 out of 5 stars, based on 23 customer reviews
Customer reviews verified as of 01 December 2020

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 history

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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