MBT Financial Corp. is a bank holding company for Monroe Bank & Trust (the Bank). Monroe Bank & Trust provides customary retail and commercial banking and trust services to its customers, including checking and savings accounts, time deposits, safe deposit facilities, commercial loans, personal loans, real estate mortgage loans, installment loans, individual retirement accounts (IRAs), automated teller machine (ATM) and night depository facilities, treasury management services, telephone and Internet banking, personal trust, employee benefit and investment management services. The Bank offers various types of deposits, which include savings accounts, interest-bearing corporate demand deposit accounts (DDA) and negotiable order of withdrawal (NOW) accounts, money market deposits and certificates of deposits (CDs). Monroe Bank & Trust's service areas are consists of Monroe, Wayne and Lenawee counties in Southern Michigan. The Bank operates approximately 20 branches.