The Bank is a community-focused financial institution that originates and holds a diversified portfolio of real estate loans (residential mortgages, construction, and commercial property), commercial business loans secured by inventory and equipment, and consumer loans including auto, home equity, and personal lending across its primary geographic market area. The Bank generates revenue primarily through interest income on its loan and securities portfolio, supplemented by loan origination fees, points, gains on mortgage loan sales to the secondary market, and service fees; it sources funding principally from customer deposits complemented by loan repayments and access to borrowing facilities from the Federal Home Loan Bank and Federal Reserve. The Bank serves individuals, families, and small to mid-sized businesses in its market, with lending decisions and pricing adjusted in response to competitive conditions and prevailing interest rate environments.