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Sandy Spring Bancorp is the holding company for Sandy Spring Bank, which operates more than 40 branches in the Baltimore and Washington, DC, metropolitan areas. One of the largest and oldest banks headquartered in Maryland (it was founded in 1868), Sandy Spring Bank provides standard deposit services, including checking and savings accounts, money market accounts, and CDs. Commercial mortgages account for the largest portion of the company's loan portfolio (about 40%); the remainder is a mix of residential mortgage, consumer, construction, and business loans, as well as equipment leases. The company also offers personal investing services, wealth management, trust services, insurance, and retirement planning.

SCBT Financial is the holding company for South Carolina Bank and Trust and South Carolina Bank and Trust of the Piedmont (both are also known as SCBT), which operate more than 40 branches throughout the Palmetto state. The company also owns North Carolina Bank and Trust, or NCBT, which has three locations in the Charlotte area. SCBT Financial entered northern Georgia in 2010 when it acquired the failed Community Bank & Trust in an FDIC-assisted transaction; the deal added nearly 40 locations, most of them inside supermarkets, though SBCT later shuttered several of them. Serving retail and business customers, the banks provide deposit accounts, loans, and mortgages, as well as trust and investment services.

Seacoast Banking Corporation is the holding company for Seacoast National Bank (formerly First National Bank and Trust Company of the Treasure Coast), which has more than 40 branches in Florida, with a concentration on the state's southeastern coast. Serving individuals and areas businesses, the bank offers a range of financial products and services, including deposit accounts, credit cards, trust services, and private banking. Commercial and residential real estate loans comprise most of the bank's lending activities; to a lesser extent, it also originates business and consumer loans. Subsidiary FNB Brokerage Services provides financial planning services in addition to mutual funds and other investments.

Severn Bancorp is the holding company for Severn Savings Bank, which operates about five bank branches in Anne Arundel County, Maryland. The thrift provides traditional retail products, including checking and savings accounts, CDs, and IRAs. Severn uses funds from deposits to originate loans and mortgages, primarily residential and commercial mortgages, construction loans, and business loans. The holding company also owns SBI Mortgage, which originates riskier loans than Severn Savings Bank does; it also invests in real estate on its own behalf. Severn is working towards recovery after suffering real estate- and mortgage-related losses in the economic recession.

Shore Bancshares sits on the edge of the banking ocean. The institution is the holding company for three bank subsidiaries: The Centreville National Bank of Maryland; The Talbot Bank of Easton, Maryland; and The Felton Bank. Combined, the banks operate about 20 branches serving individuals and businesses in the Maryland counties of Caroline, Dorchester, Kent, Queen Anne, and Talbot, as well as in Kent County, Delaware. The company sells insurance through subsidiaries The Avon-Dixon Agency and Elliott Wilson Insurance. Jack Martin & Associates, acquired in 2007, offers marine insurance products.

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