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MCNB Banks, Inc. functions as the parent company for MCNB Bank and Trust Co., which delivers a full spectrum of banking and financial services to both individuals and businesses. Its core deposit offerings include a variety of accounts such as checking, savings, and individual retirement accounts (IRAs), as well as certificates of deposit. On the lending side, the institution provides residential and personal loans, financing for commercial and investment real estate, equipment loans, and various business lines of credit, including guidance lines.