Community Financial Corporation is a unitary savings and loan holding company that owns the Community Bank. Its primary business consists of attracting deposits from the general public and originating real estate loans and other types of investments. The Bank’s primary market area includes the counties of Shenandoah, Rockingham, Page, Highland, Augusta, Albemarle, Bath, Rockbridge, Nelson, and the Hampton Roads area in Virginia. It conducts its business through its10 branch offices located in Staunton (two), Waynesboro, Stuart Drafts, Raphine, Verona, Lexington, Harrisonburg, Buena Vista and Virginia Beach (two), Virginia. The Bank focuses its lending activities on first mortgage conventional loans secured by residential properties, commercial and multi-family real estate with a focus on multi-family housing, and to a lesser extent, construction loans secured by commercial and multi-family real estate and one- to four-family residential properties and commercial business loans.