Carolina Bank Holdings, Inc. is a bank holding company of the Carolina Bank (the Bank). The Bank provides commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts and related business and individual banking services. The Company has three segments: the Commercial/Retail Bank, the Mortgage Banking Division and the Holding Company. The Bank's lending activities are concentrated in commercial lending to small-to-medium sized businesses located primarily in its market area, construction and development loans and various consumer-type loans to individuals, including installment loans, credit card products, mortgage loans and equity lines of credit. The Bank's primary service area consists of the Cities of Greensboro, High Point, Burlington, Winston-Salem and Asheboro, North Carolina, and others.