Coastal Banking Company, Inc. is a bank holding company for CBC National Bank (the Bank). The Bank provides a range of commercial and consumer banking services to customers throughout Beaufort County, South Carolina and Nassau County, Florida. The Bank operates through three segments: community banking, SBA lending and mortgage banking operations. The Bank also has a residential mortgage banking division, which operates approximately 13 retail residential loan production offices. The Bank makes commercial, residential, construction, agricultural, agribusiness and consumer loans to customers in South Carolina, Florida and Georgia. The Company classifies its securities as available for sale or held to maturity. Held to maturity securities are those securities for which the Company has the ability and intent to hold until maturity. The Company's primary source of funds for making loans and investments is its deposits, on which the Company pays interest.