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Surrey Bancorp is the holding company for Surrey Bank & Trust, which serves northwestern North Carolina's Surry County and neighboring portions of Virginia through about five offices and a lending center. The bank offers standard retail services, including checking and savings accounts, CDs, IRAs, and credit and debit cards. Surrey Bank & Trust writes mostly commercial and industrial loans (more than two-thirds of its portfolio), followed by residential mortgages (about 20%). Subsidiary SB&T Insurance sells property/casualty coverage. The bank offers investment services through a third-party provider, UVEST, which is part of LPL Financial.

Synovus has a nose for community banking. The holding company owns about 30 banks offering deposit accounts and consumer and business loans in Alabama, Florida, Georgia, South Carolina, and Tennessee. Through more than 325 locations, the banks and other Synovus subsidiaries provide deposits, loans, credit cards, insurance, and asset management services. It has traditionally maintained separate charters and local boards of directors for its subsidiary banks. However, in 2010 Synovus consolidated all of its charters into one. The change was made in order to reduce complexity and improve efficiency.

Savannah Bancorp's "garden" grows green, rather than good and evil. The holding company owns Savannah Bank, and Bryan Bank & Trust. Together, the banks operate about a dozen offices in coastal Georgia and South Carolina. The banks offer a variety of retail services, including checking, savings, and money market accounts, and certificates of deposit. Real estate mortgage loans make up about 80% of the company's loan portfolio; the banks also write construction, business, and consumer loans. Investment services are offered to individuals, organizations, and other entities through subsidiary Minis & Co., Inc.

TIB Financial is the holding company for TIB Bank, which operates about 30 branches in South Florida, and the Bank of Venice (acquired in 2007), which has two locations in Venice, Florida. Serving individuals and local businesses, the banks offer checking and savings accounts, NOW accounts, CDs, and IRAs. Commercial real estate loans make up slightly more than half of the company's loan portfolio which also includes commercial, residential mortgage, business, consumer, construction, and land loans. TIB Financial also offers investment management services to local residents and businesses.

Tidelands Bancshares does its work at the intersection of Southern charm and Coastal cool. The holding company operates Tidelands Bank, which has seven branches along the coast of South Carolina. The bank offers traditional retail services and products such as checking and savings accounts, money market accounts, and commercial and consumer loans. Tidelands Bank grows by opening loan production offices and then, when they prove successful, converting them into full service locations. The company specializes in services for small businesses and entrepreneurs, of which there are plenty in the tourist-laden beachfront locales it calls home. About 75% of its loan activity is in Charleston.

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