MBT Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, Monroe Bank & Trust (the Bank). The Bank provides customary retail and commercial banking and trust services to its customers, including checking and savings accounts, time deposits, safe deposit facilities, commercial loans, personal loans, real estate mortgage loans, installment loans, individual retirement accounts (IRAs), automated teller machines (ATM) and night depository facilities, treasury management services, telephone and Internet banking, personal trust, employee benefit and investment management services. The Bank�s service areas are consists of Monroe and Wayne counties in Southern Michigan. As of December 31, 2011, the Bank operated 17 banking offices and a mortgage loan office in Monroe County, Michigan and seven banking offices in Wayne County, Michigan.