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Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , DC . 20549 FORM 10 - K × ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 ( NO FEE REQUIRED ) For the transition period from to Commission file number 0-17077 PENNS WOODS BANCORP , INC . ( Exact name of registrant as specified in its charter ) Pennsylvania ( State or other jurisdiction of incorporation or organization ) 300 Market Street , P.O. Box 967 Williamsport , Pennsylvania ( Address of principal executive offices ) ( I.R.S. Employer Identification No. ) Registrant's telephone number , including area code ( 570 ) 322-1111 Securities registered pursuant to Section 12 ( b ) of the Act : 23-2226454 17703-0967 ( Zip Code ) Title of each class Common stock , $ 5.55 par value Trading Symbol ( s ) PWOD Name of each exchange on which registered The Nasdaq Global Select Market Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . □ Yes > No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . □ Yes No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S - T during the preceding 12 months ( or for such shorter period that the registrant was required to submit and post such files ) . Yes > No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , or a smaller reporting company , or emerging growth company . See definitions of “ large accelerated filer , ” “ accelerated filer , ” “ smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Non - accelerated filer ☐ Accelerated filer Smaller reporting company Emerging growth company ☐ × ☐ ☑