PB Bankshares, Inc. is a bank holding company that operates through its subsidiary, Presence Bank (the Bank). Its principal business consists of attracting retail deposits from the general public in its market area and investing those deposits, together with funds generated from operations and borrowings, primarily in commercial real estate loans, commercial and industrial loans, construction, home equity lines of credit and to a lesser extent, one- to four-family residential real estate loans and consumer loans. It also offers a variety of deposit accounts, including demand deposit accounts, savings accounts, money market accounts and certificate of deposit accounts. The Bank conducts its business from its main office and three branch offices, which are located in Chester and Lancaster Counties, Pennsylvania. The Bank also has its operations in Lebanon, Dauphin and Cumberland Counties, Pennsylvania. The Bank has two loan production offices in Harrisburg and Elizabethtown.
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