Suffolk Bancorp (Suffolk) is a bank holding company. It does commercial banking through its wholly owned subsidiary, Suffolk County National Bank (the Bank). The Bank offers a range of domestic, retail and commercial banking services, and trust services. The Bank’s services include checking accounts, savings accounts, time and savings certificates, money market accounts, negotiable-order-of-withdrawal (NOW) accounts, holiday club accounts and individual retirement accounts; secured and unsecured loans, including commercial loans to individuals, partnerships and corporations, agricultural loans to farmers, installment loans to finance small businesses, mobile home loans and automobile loans; home equity and real estate mortgage loans; safe deposit boxes; trust and estate services; the sale of mutual funds and annuities, and the maintenance of a master pension plan for self-employed individuals’ participation.
