| The Banc Corporation, through its subsidiary, The Bank, offers various banking and related services in 26 locations in Alabama and the eastern Florida panhandle. It focuses on commercial, consumer, residential mortgage, and real estate construction lending to customers in its local markets. The banks retail loan products include mortgage banking services; home equity lines of credit; consumer loans, including automobile loans and loans secured by certificates of deposit; and savings accounts. Its commercial loan products include working capital lines of credit, term loans for real estate and equipment, letters of credit, and SBA loans. The bank also offers various deposit programs to individuals and to businesses and other organizations, including various personal checking, savings, money market, and NOW accounts, as well as business checking and savings accounts, investment sweep accounts, and credit line sweep accounts. In addition, it offers individual retirement accounts and investment services; safe deposit and night depository facilities; and additional services, such as commercial cash management services; Internet banking; bill payment services; and the sale of traveler's checks, money orders, and cashier's checks. Further, the bank offers life, health, and long-term care insurance and annuity products. It has branches in Albertville, Andalusia, Boaz, Childersburg, Decatur, Frisco City, Gadsden, Guntersville, Huntsville, Kinston, Madison, Monroeville, Mt. Olive, Opp, Rainbow City, Samson, Sylacauga, and Warrior, Alabama. The bank also operates a loan production office in Decatur, Alabama. The Corporation is headquartered in Birmingham, Alabama. |
