SBT Bancorp Inc

sbt bancorp, inc. is the holding company for the simsbury bank & trust company, inc. (the bank). the company is engaged in investment in the bank, which is a community-oriented financial institution providing a range of banking and investment services. the bank offers a range of commercial banking services to residents and businesses in its primary and secondary markets through a range of commercial loans and residential mortgage programs, as well as home equity lines and loans, federal deposit insurance corporation (fdic)-insured checking, savings, and individual retirement account (ira) accounts, as well as safe deposit and other customary non-deposit banking services. the bank's loan portfolio consists of commercial and industrial, real estate-construction and land development, real estate-residential, real estate-commercial, municipal, home equity and consumer loans. the bank offers investment products to customers through sbt investment services, inc., a subsidiary of the bank.