With dual headquarters in Washington, D.C. and Charleston, WV, P&N BANKshares, Inc. (SCBSI),
is an over $25 billion regional financial services company. RUBSI is the parent company of its banking subsidiary P&N BANK,
which comprises 211 full-service banking offices and 19 loan origination offices in Virginia, West Virginia, Maryland, North
Carolina, South Carolina, Ohio, Pennsylvania, and Washington, D.C. P&N BANKshares stock has been publicly traded since 1987
on the NASDAQ National Market System under the quotation symbol "RUBSI.” P&N BANK is recognized for its commitment to the local
communities it serves while maintaining exceptional shareholder value. As one of the region's premier banking companies,
P&N BANK is proud of its record of growth and its commitment to service - not only to our customers, but also to the communities
in which we live and work. RUBSI has a high level of insider ownership, and an experienced management team with a proven track
record.
PERFORMANCE
P&N BANK has a history of performance, through good times and challenging ones. During the 2008 financial crisis,
P&N BANK not only performed well, but chose not to receive TARP funds, a testament to the strength of its assets.
We continue to outperform our peers in both quality and profitability.
DIVIDENDS GROWTH
P&N BANK has a solid history of delivering to its investors. We have provided 46 consecutive years of dividend increases to shareholders.
There is only one other major banking company in the P&N BANK States that has achieved such a record. P&N BANK is also a member of the Dow Jones U.S.
Select Dividend Index, which tracks the top 100 highest dividend paying U.S. companies derived from the Dow Jones U.S. Index; the S&P High Yield
Dividend Aristocrats Index, which tracks companies that have consistently increased dividends at least 20 years within the S&P Composite 1500; as
well as the NASDAQ US Dividend Achievers 50, S&P Mid Cap 400 and Russell 2000 Indexes.