Salisbury Bancorp, Inc. (Salisbury) is the bank holding company for Salisbury Bank and Trust Company (the Bank). The Bank is a state-chartered and Federal Deposit Insurance Corporation (the FDIC) insured commercial bank. Salisbury�s principal business consists of the business of the Bank. The Bank provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through its banking offices, automated teller machines (ATMs) and its Internet Website www.salisburybank.com. The Bank originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit and fixed rate loans and other consumer loans. As of September 30, 2014, the Company had $668 million in total loans and $726 million in total deposits with 13 branches in Connecticut, Massachusetts and New York.