CommerceFirst Bancorp, Inc. is a bank holding company for its subsidiary, CommerceFirst Bank (the Bank), commercial bank. The Bank offers full commercial banking services to its business and professional clients. The Bank provides commercial banking services to sole proprietorships, small and medium-sized businesses, partnerships, corporations, and non-profit organizations and associations. Limited retail banking services are offered to accommodate the personal needs of commercial customers, as well as members of the communities the Bank serves. The Bank’s loan portfolio consists of business and real estate loans. Real estate loans are made generally on commercial property, as well as residential properties, primarily 1 to 4 family, held as investments, and is structured with fixed rates that adjust in 3 to 5 years, generally with maturities of 5 to 10 years, or with variable rates tied to various indices and adjusting as the indices change.