CNB Holdings, Inc. owns all of the outstanding capital stock of the Chattahoochee National Bank (the Bank). The Bank performs banking services customary for full-service banks of similar size and character. Such services include making consumer loans, real estate loans, commercial loans and Small Business Administration (SBA) loans; providing other banking services, such as cash management services and travelers checks; maintaining deposit accounts, such as checking accounts and money market accounts, and a variety of certificates of deposit and individual retirement accounts (IRA) accounts.