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Bank of Virginia helps put the Rich in Richmond. The company serves Chesterfield County from a handful of banking branches in Midlothian, Richmond, and Chester. Bank of Virginia offers standard retail and commercial services including checking and savings accounts, CDs, IRAs, and money market accounts. In 2008, the bank opened its fifth branch in the Richmond area. Commercial mortgages account for about a third of the company's lending portfolio, which also includes business loans, single-family mortgages, and construction loans. Consumer lending accounts for less than 5% of its portfolio. Washington, DC-based Cordia Bancorp bought a majority of Bank of Virginia in 2010.

BB&T, the banking company that covers the Southeast like kudzu. The company serves consumers, small to midsized businesses, and government entities through more than 1,800 branches. Its flagship subsidiary, Branch Banking and Trust (also known as BB&T), is one of North Carolina's oldest banks and a leading originator of residential mortgages in the Southeast. In addition to deposit accounts and loans, the company offers insurance, mutual funds, discount brokerage, wealth management, and financial planning services. Business services include leasing, factoring, and investment banking (through Scott & Stringfellow).

BNC Bancorp knows the ABCs of the financial world. The firm is the holding company for Bank of North Carolina, which has about 20 locations in both North and South Carolina. The bank offers community-oriented services to local business and retail customers, providing checking, savings, and money market accounts, credit cards, and CDs. Its loan portfolio is mainly composed of residential and commercial mortgages and construction loans. Bank of North Carolina also offers insurance, retirement planning, and other investment products and services. In 2010 BNC Bancorp acquired the failed Beach First National Bank in an FDIC-assisted transaction, expanding Bank of North Carolina's branch network into South Carolina.

Calvin B. Taylor Bankshares be the holding company for Calvin B. Taylor Banking Company (aka Taylor Bank), which has about 10 branches in southeastern Maryland and another in Delaware. The bank offers standard commercial and retail services including checking and savings accounts, money market accounts, and credit cards. It also offers discount securities brokerage through an affiliation with correspondent bank M&T Securities. Real estate loans account for some 90% of the bank's lending portfolio, including residential and commercial mortgages. The bank is named after its founder, who opened a predecessor to Calvin B. Taylor Banking Company in 1890.

Capital Bank Corporation is the holding company for Capital Bank, which capitalizes on the bustling Research Triangle area it serves. Founded in 1997, the bank has about 30 offices in central and western North Carolina. It provides a range of consumer and commercial banking services, including savings, checking, and health savings accounts, as well as CDs, IRAs, and credit cards. Commercial real estate loans, made primarily to small and midsized businesses, make up more than 60% of the bank's loan portfolio; residential mortgages are around 20%. The bank also issues business and consumer loans. It offers investments and insurance through unaffiliated third-party provider Capital Investment Group.

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