The Company operates as a commercial bank providing lending services focused on business and real estate credit. Its core loan portfolio spans commercial and industrial loans, owner-occupied and non-owner-occupied commercial real estate, residential real estate, construction and land development, and consumer loans, with commercial business lending representing the largest segment. The Company serves commercial customers and real estate investors requiring financing for business operations and property investments, generating revenue primarily through net interest income on its loan portfolio while funding operations through deposits supplemented by borrowing facilities from the Federal Home Loan Bank, Federal Reserve, and correspondent banks.