Bank of McKenney is a community bank. The Bank provides depository and lending services for its customers primarily within the counties of Dinwiddie, Chesterfield and Prince George, and the cities of Colonial Heights, Hopewell and Petersburg in Virginia. Its loans and deposits are concentrated primarily with the citizens of this area. The Bank grants commercial and residential real estate loans, commercial loans, construction loans and consumer loans to customers. A substantial portion of its loan portfolio is represented by commercial and consumer loans that are secured by real estate. The Bank offers personal banking services, which include checking accounts, savings accounts, personal loans, mortgages, personal certificates of deposit (CD) and individual retirement accounts (IRAs). It also provides business banking services, including checking accounts, business CD, business savings account, business loans and merchant services. In addition, the Bank offers investment services.