Croghan Bancshares, Inc. operates in the State commercial banks sector. Croghan Bancshares, Inc. is a bank holding company of The Croghan Colonial Bank (the Bank). The Bank conducts a general banking business embracing the usual functions of commercial, retail, and savings banking, including time, savings, money market and demand deposits, commercial, industrial, agricultural, real estate, consumer installment and credit card lending, safe deposit box rental, automatic teller machines, trust department services, and other services tailored for individual customers. The Bank originates and services secured and unsecured loans to individuals, firms, and corporations. Direct loans are made to individuals and installment obligations are purchased from retailers, both with and without recourse. The Bank makes a range of residential, industrial, commercial, and agricultural loans secured by real estate, including interim construction financing. In our complete report available for purchase the company is compared to: First Capital Bancorp, Inc., Mackinac Financial Corporation and Sussex Bancorp.