Bay Bancorp, Inc. operates as a holding company. It provides commercial and consumer banking products and services to individuals, businesses, professionals and governments through its subsidiary, Carrollton Bank. Its offer commercial loans for businesses, commercial and residential real estate loans, consumer loans and loans guaranteed by the United States Small Business Administration. It's also provides a wide range of financial services for personal and business banking customers, including a variety of checking accounts, competitive rates on certificates of deposit and savings accounts, commercial lending, free nationwide automated teller machine with the MoneyPass symbol, mortgages, investment services and 24-hour internet and telephone banking. The company was founded on January 11, 1990 and is headquartered in Lutherville, MD.