Smithtown Bancorp, Inc. operates as the bank holding company for Bank of Smithtown, which provides various commercial and consumer banking services in Suffolk and Nassau Counties, Long Island, and New York City. The companys deposit products include checking, savings, term certificate, time, NOW, money market, individual retirement, and demand deposit accounts. It also offers residential and commercial mortgages, construction and land loans, secured and unsecured commercial loans, and secured and unsecured consumer loans. In addition, the company provides trust services, merchant credit and debit card processing, safe deposit boxes, online banking, bill pay, telephone banking, and automated teller machines services. Further, it offers tax deferred annuities and mutual funds, investment management, and commercial and personal insurance products. As of December 31, 2009, Smithtown Bancorp operated through 29 branch offices. The company was founded in 1910 and is headquartered in Hauppauge, New York.

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