First Mariner Bancorp operates as a bank holding company for First Mariner Bank that offers commercial banking and financial products and services to individuals, and small and mid-sized businesses in central and eastern Maryland. It operates through two segments, Commercial and Consumer Banking, and Mortgage-Banking. The company accepts NOW, savings, money market, and time deposits. Its commercial banking services comprise commercial loan products, such as commercial mortgage loans for the purchase or refinance of commercial properties; residential and commercial real estate construction and development loans; working capital loans and lines of credit; demand, term, and time loans; and equipment, inventory, and accounts receivable financing. The company also offers various cash management services and deposit products, including computerized on-line banking and remote deposit to its commercial clients. Its retail banking services consist of debit cards, mutual funds, annuities, insurance products, Internet banking, electronic bill payment, mobile banking, and personal financial management services. The company offers consumer loan products, including home equity lines of credit, fixed-rate second mortgages, new and used auto loans, new and used boat loans, overdraft protection, and unsecured personal credit lines. In addition, the company is involved in the origination of first- and second-lien residential mortgages for sale in the secondary market, as well as for holding in its loan portfolio. Its mortgage-banking products include Federal Housing Administration and the federal Veterans Administration loans, conventional and nonconforming first- and second-lien mortgages, and construction and permanent financing. The company was formerly known as MarylandsBank Corp. and changed its name to First Mariner Bancorp in May 1995. First Mariner Bancorp was founded in 1994 and is headquartered in Baltimore, Maryland.