Marty Lapera President & CEO
After opening in 2001, Frederick County Bank's (FCB) initial focus was the small business sector, the professional community and the non-profit community - particularly the religious community. While we offered all consumer and commercial banking products from the start, and therefore could accommodate any person or business desiring to bank with a community bank in Frederick County, our strategies needed to be targeted in order to be profitable as soon as possible. We did become profitable in our second year of business. During the last ten years we have grown to about $300 million in assets. We now have over 70 employees and 5 branches in Frederick County. Our client base today is more diversified and includes a consumer base. We remained profitable from our second year in business and presently enjoy high 5 star and 4 star ratings from Bauer Financial and Bankrate.com, respectively. These are two independent bank rating companies (agencies). At FCB, we've maintained a balanced focus from our earliest days - on our community, our employees, our clients, and our shareholders. We believe we can successfully balance the interests of all of these when we maintain a strong financial condition and a commitment to being a meaningful force to create good for our community by helping our clients thrive and be successful. We are proud of the role we serve in assuring that the local economy is healthy. All of our employees are encouraged to participate individually in community activities - we are all proud to be community bankers. Unlike larger banks, we personally and as a business believe that giving to the Frederick community is an investment that benefits everyone. We've worked hard in maintaining a strong financial condition. Our capital, liquidity, loan quality and earnings are strong. We have a good growth strategy that allows us to recognize and seize opportunities in the relatively healthy Frederick economy. We invest heavily and wisely in our people, the latest technology and most of all in our community. We have a good brand with positive name recognition. I believe that when people think of the definition of a community bank, they think of Frederick County Bank. The Community Bank for Frederick County www.fcbmd.com
GUIDE TO SMALL BUSINESS LENDING
1841951
March 2012 | Special Advertising Publication
9