PSB Holding Corp. is the holding company of Provident State Bank, Inc. (the Bank). The Bank operates on Maryland’s eastern shore, principally in Caroline, Dorchester, Talbot and Wicomico counties in Maryland, and Sussex County in Delaware. The Bank offers deposit services and loans to individuals, small businesses, associations, and government entities. Its other services include direct deposit of payroll and social security checks, automatic drafts from accounts, automated teller machine services, online banking and bill payment, debit cards, safe deposit boxes, mobile banking, and cash management services. The Bank has divided its loan portfolio into six segments: residential mortgage, commercial and agricultural mortgage, construction and land development, commercial and agricultural, SBA Paycheck Protection Program (PPP) and consume. The Bank has a portfolio of residential mortgage loans comprised of conventional single-family loans and revolving home equity lines of credit.