Carolina Bank Holdings, Inc. is a bank holding company of the Carolina Bank (the Bank). The Bank engages in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. The Company operates through three segments: the Commercial/Retail Bank, the Mortgage Banking Division and the Holding Company. The Bank's operations are commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived from customers in its geographic market. It provides commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, individual retirement accounts and related business and individual banking services. It offers loans, which include construction and development loans, commercial real estate loans, home equity lines, residential real estate loans, commercial and industrial loans, and consumer and other loans.