Merchants Bancshares, Inc. operates as the holding company for Merchants Bank that provides retail and commercial banking services in the state of Vermont. The bank engages in generating deposits and originating loans. Its deposit products include savings, money market, and negotiable order of withdrawal accounts, as well as time deposits. The bank's loan portfolio primarily comprises commercial, real estate, and consumer loans. It also provides various other services, including customary check collection, wire transfer, safe deposit box rental, automated teller machine, and debit card services; and fiduciary services, such as trust management and administration, investment management, and estate settlement services. As of August 2, 2005, the bank operated 35 bank offices in Vermont. Merchants Bancshares, through other subsidiary, Merchants Properties, Inc., engages in developing and owning affordable rental housing units in Vermont. As of December 31, 2004, Merchants Properties owned 1 development property located in Enosburg, Vermont, which consisted of a 24-unit low-income family rental housing project. The company was founded in 1848 and is headquartered in South Burlington, Vermont.
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