The bank is a community-oriented financial institution providing general commercial banking business with particular emphasis on the needs of individuals and small to mid-sized businesses. The company is a bank holding company operating through its subsidiaries: Americasbank and Americasbank holdings corporation. The company attracts deposits like checking accounts, savings accounts, money market accounts and certificates of deposits and invests these along with funds generated from operations and borrowings in a full range of short-to-medium-term commercial, personal and mortgage loans. The bank's customers include individuals and commercial enterprises throughout central Maryland. Interest and fees on loan accounted for 72% of 2000 revenues; other interest income, 23% and non-interest income, 5%.
