Delmar Bancorp is a bank holding company which owns The Bank of Delmarva (The Bank). The Bank operates as a commercial bank and provides financial services to individual and corporate customers. The Bank’s securities available for sale includes obligations of the United States Government agencies and corporations, obligations of states and political subdivisions, mortgage-backed securities and equity securities. The Bank’s loan portfolio includes one-to four-family residential secured loans, commercial real estate loans, construction and land development loans, farmland loans, multifamily loans, commercial and industrial loans, and consumer loans. It also provides noninterest bearing demand deposits, savings, negotiable order of withdrawal (NOW) accounts and money market accounts.