HCSB Financial Corporation is a holding company for Horry County State Bank (the Bank). The Bank is a state chartered bank. Its primary market includes Horry County in South Carolina and Columbus and Brunswick Counties in North Carolina. The Company's segments include Commercial, Commercial Real Estate, Consumer and Residential. From its over eight branch locations, it offers a range of deposit services, including checking accounts, savings accounts, certificates of deposit, money market accounts, and individual retirement account (IRAs), as well as a range of non-deposit investment services. In addition, it offers a range of loan products designed for consumers, businesses and farmers. The Bank also offers other services, such as cash management services, sweep accounts, repurchase agreements, mobile banking, remote deposit capture, safe deposit boxes, travelers checks, direct deposit of payroll and social security checks, online banking and automatic drafts for various accounts.