PAB Bankshares, Inc. (PAB) is a holding company for The Park Avenue Bank (the Bank). The Bank offers traditional banking products and services to commercial and individual customers in its markets. Its product line includes, among other things, loans to small- and medium-sized businesses, residential and commercial construction and development loans, commercial real estate loans, farmland and agricultural production loans, residential mortgage loans, home equity loans, consumer loans, and a variety of commercial and consumer demand, savings and time deposit products. PAB also offers Internet banking, online cash management, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, remote depository products and the availability of a network of automated teller machines (ATMs) to its customers.