Cecil Bancorp, Inc. is the holding company of Cecil Bank (the Bank). The Bank is a community oriented financial institution, which offers financial services. The Bank's business consists principally of attracting retail and commercial deposits from the general public and primarily using them to originate mortgage loans secured by one- to four-family residences and commercial loans, and consumer-based loans. The Bank's personal banking services include deposit products, which include certificates of deposit and interest checking; reorder checks; retail online banking; e-statements, and telephone banking. The Bank's business banking services include business online banking, remote deposit plus, business deposit products and business loans. The Bank provides loans, such as home equity loans, personal loans and real estate loans. Its other consumer and business services include direct deposit of payroll, bill payment, wire transfer services, money orders and gift checks.