Cecil Bancorp, Inc. is the holding company of Cecil Bank (the Bank), a community oriented financial institution. The Bank offers financial services. The Bank's business consists principally of attracting retail and commercial deposits from the general public and using them to originate mortgage loans secured by one-to four-family residences and commercial loans, and to a lesser extent consumer-based loans and home equity loans. The Bank's personal banking services include deposit products, which include certificates of deposit; reorder checks; online banking; EZ pay bill pay; e-statements, and telephone banking. The Bank's business banking includes business online banking, remote deposit plus, business loans, and business deposit products and services. The Bank provides loans, such as mortgage loans, home equity loans, personal loans and real estate loans. The Bank operates through a network of around 11 offices in the Cecil and Harford county areas.