Mountain Commerce Bancorp Inc (MCBI)

MetroCorp Bancshares, Inc. was incorporated as a business Corporation under the laws of the State of Texas in 1998 to serve as a holding Company for MetroBank, National Association. The Company is engaged in commercial banking activities through its wholly-owned subsidiaries, MetroBank, National Association (MetroBank) in Texas and Metro United Bank (Metro United) in California. Its commercial lending emphasis includes loans to wholesalers, manufacturers and business service companies. The Company makes available to businesses an array of short and medium-term commercial lending products for working capital, purchases of equipment and machinery and business expansion. The Company offers a number of deposit products and services to retail customers through its branch networks in Texas and California. Retail deposit products and services include checking and savings accounts, money market accounts, time deposits, ATM cards, debit cards and online banking. The Company through its subsidiary MetroBank, offers retail loan products which include residential mortgage loans, residential construction loans, automobile loans, lines of credit and other personal loans. The Banks attract customer deposits through their nineteen branches located in the greater Houston, Dallas, San Diego, Los Angeles, and San Francisco metropolitan areas. The Company competes with other commercial banks, savings banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, asset-based non-bank lenders and certain other non-financial entities, including retail stores which may maintain its own credit programs and certain governmental organizations which might offer more favorable financing.