Old Line Bancshares is the holding company for Old Line Bank, serving consumers, businesses, and wealthy individuals in the Old Line State and in the Washington, DC, area. From 10 branches in Maryland's Charles and Prince George's counties, the bank offers standard retail products including deposit accounts, CDs, and credit cards. It uses funds from deposits to write business and consumer loans; commercial real estate loans make up about half of its portfolio. The bank also offers luxury boat financing. The company also owns 50% of real estate firm Pointer Ridge Office Investment. The bank will double its branch numbers through its planned $20 million acquisition of Maryland Bankcorp, expected to close in 2011.

Old Point Financial is the holding company for Old Point National Bank of Phoebus, which has more than 20 branches in the Hampton Roads region of southeastern Virginia. Founded in 1923, the bank serves area businesses and consumers, offering such services as checking and savings accounts, money market accounts, and CDs. With these funds, the bank mainly originates commercial and residential mortgages, which account for a majority of its loans. Subsidiary Old Point Trust & Financial Services provides investment management and tax, estate, and retirement planning services. Old Point Trust & Financial Services owns about 20% of the company. Chairman and CEO Robert Shuford Sr. owns about 12%.

Peoples Bancorporation owns three community banks: The Peoples National Bank, Bank of Anderson, and Seneca National Bank. The banks serve individuals and small to midsized businesses from about 10 branches in northwestern South Carolina. In addition to checking, savings, and NOW accounts, the banks offer investment products such as stocks and bonds, annuities, and mutual funds. Real estate loans, including mortgages and construction loans, account for some 85% of the banks' lending portfolio, which also includes business loans and consumer loans.

Pioneer Bank, which serves northeastern Virginia through about a half dozen branches. It provides standard retail products and services to individuals and small to midsized businesses. Lending activities are focused on real estate loans and mortgages: Loans secured by real estate account for some 80% of its total loan book. The company also offers business and consumer loans. The bank has two subsidiaries, Pioneer Financial Services (insurance and investment products) and Pioneer Special Assets (foreclosures with added liabilities).

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.

Southern Community Financial is the holding company for Southern Community Bank and Trust, which operates more than 20 branches in the Piedmont Triad region and other parts of North Carolina. Serving area individuals, small and midsized businesses, and homebuilders, the bank offers such retail services as checking and savings accounts, money market accounts, and credit cards. The bulk of Southern Community Financial's loan portfolio is made up of commercial mortgages (about 35%), residential mortgages (25%), construction loans (20%), and commercial and industrial loans (more than 15%). The bank also offers insurance products through an agreement with The Phoenix Companies.

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