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TowneBank is ready to serve you in southeastern Virginia and northeastern North Carolina. The bank, which has more than 25 branches, offers such standard deposit products as checking and savings accounts, certificates of deposit, IRAs, and money market accounts. Subsidiaries provide insurance, investments, residential real estate brokerage, mortgage products, and employee benefit services. Real estate loans, including commercial mortgages, construction loans, and residential real estate loans make up most of the bank's portfolio, which also includes consumer installment and business loans. TowneBank was founded in 1999.

Union First Market Bankshares is the holding company for Union Bank & Trust, which operates approximately 100 branches in central, northern, and coastal portions of Virginia. The bank offers standard services such as checking and savings accounts, credit cards, and certificates of deposit. Union Bank & Trust maintains a diverse loan portfolio: Commercial real estate loans make up about 30%, while one- to four-family residential mortgages and construction loans account for approximately 20% and 15%, respectively. The bank also originates personal and business loans.

United Community Banks is the holding company for 27 community banks united in their quest to provide consumer and business banking services in Georgia, western North Carolina, and eastern Tennessee. Operating mainly under the United Community Bank or UCB banners, the banks collectively have more than 100 branches offering deposit products, mortgages, and other services. Residential construction and land development loans account for the largest segment of United Community Banks' loan portfolio (more than 30%); residential mortgages make up about 25%. The company has been growing through acquisitions.

Virginia Commerce Bancorp is the holding company for Virginia Commerce Bank, which has about 30 offices serving metropolitan Washington, DC's northern Virginia suburbs. The bank's customer base includes consumers, non-profit groups, and small to midsized businesses, particularly those that have contracts with the US government. The bank also offers wealth management services such as retirement planning, asset management, and investments such as mutual funds. Virginia Commerce primarily originates real estate loans, including mortgages and construction loans, which account for about 90% of its portfolio.

Waccamaw Bancshares is the holding company for the Waccamaw Bank, which operates about 15 branches in the coastal Carolina region. With about 15 branch loactions, Waccamaw provides traditional products such as checking and savings accounts and IRAs. It primarily uses funds from deposits to write commercial loans and mortgages, including business loans, construction loans, and land development loans. Hit by an increase in bad loans, the company is working with regulators to raise its capital holdings. It is also tightening up its lending practices.

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