Centra Financial is the holding company for Centra Bank, which has 15 branches in eastern West Virginia, southwestern Pennsylvania, and western Maryland. The bank, which opened its doors in 2000, offers standard retail services such as checking and savings accounts, money market accounts, residential mortgages, consumer loans, credit cards, and title insurance. It is mainly a business lender, with commercial loans, including operating loans, commercial mortgages, and agricultural loans, comprising some 70% of its loan portfolio.