Bay Bancorp, Inc. operates as a bank holding company for Bay Bank, FSB that provides banking products and services to small and medium-sized commercial and retail businesses, business professionals, and individual consumers in the central Maryland region. Its deposit products include demand, money market, and savings accounts, as well as time deposits; and certificate of deposit registry service and insured cash sweep deposits. The company's loan portfolio comprises commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans; commercial and residential real estate loans; loans for land acquisition, land development, and/or construction of residential or commercial structures; home equity line of credit; and consumer and other loans, such as installment loans, personal lines of credit, and automobile loans. It also offers wire transfer, ACH, and automated teller machine services; safe deposit boxes; check cards and credit cards; telephone banking, mobile banking, Internet banking, and Internet bill paying services; and remote deposit and mobile capture services. As of December 31, 2016, the company operated through a network of 11 branches consisting of 5 owned and 6 leased branches located in the Baltimore metropolitan statistical area. Bay Bancorp, Inc. is headquartered in Columbia, Maryland.
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