Benchmark Bankshares, Inc. is a holding company for Benchmark Community Bank (the Bank). The Bank is a full-service, financial institution. Its 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 and land purchase loans. Benchmark Community Bank finance both new and used vehicles. It also offers financial consultations, and investment and insurance services. As of December 31, 2009, the Bank held $1,109,250 in other real estate. The Bank investment securities as of December 31, 2009, include the United States Government agencies, mortgage-backed securities, state and political subdivisions and CRA Mutual Fund.