Benchmark Bankshares, Inc. is a bank holding company. The Company, through its subsidiary, Benchmark Community Bank (the Bank), offers a range of loans. The Bank's loan portfolio includes real estate loans, auto loans, personal loans and student loans. Its real estate loans include home mortgages, home construction loans, home improvement loans, home equity-fixed rate loans or lines of credit, loans for vacation homes or rental properties, loans for commercial property, land purchase loans and agricultural loans. The Bank finances both new and used vehicles. It offers financial consultations, and investment and insurance services. It offers a range of deposit products, including traditional savings accounts, holiday savings clubs, certificates of deposit and individual retirement accounts. Its investment and insurance products include mutual funds, tax-exempt investments, tax-deferred annuities, life insurance, disability insurance, long term care insurance, and stocks and bonds.