Old Line Bancshares (OLBK) 10-K 15 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Mar. 01, 2017	Jun. 30, 2016
Document and Entity Information
Entity Registrant Name	OLD LINE BANCSHARES INC
Entity Central Index Key	1,253,317
Document Type	10-K
Document Period End Date	Dec. 31, 2016
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$ 145.3
Entity Common Stock, Shares Outstanding		10,940,330
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 22,062,912	$ 40,239,384
Interest bearing accounts	1,151,917	1,135,263
Federal funds sold	248,342	2,326,045
Total cash and cash equivalents	23,463,171	43,700,692
Investment securities available for sale-at fair value	199,505,204	194,705,675
Loans held for sale, fair value of $8,707,516 and $8,277,775	8,418,435	8,112,488
Loans held for investment (net of allowance for loan losses of $6,195,469 and $4,909,818, respectively)	1,361,175,206	1,147,034,715
Equity securities at cost	8,303,347	4,942,346
Premises and equipment	36,744,704	36,174,978
Accrued interest receivable	4,278,229	3,814,546
Deferred income taxes	9,578,350	13,820,679
Bank owned life insurance	37,557,566	36,606,105
Other real estate owned	2,746,000	2,472,044
Goodwill	9,786,357	9,786,357
Core deposit intangible	3,520,421	4,351,226
Other assets	3,942,640	4,567,038
Total assets	1,709,019,630	1,510,088,889
Deposits
Non-interest bearing	331,331,263	328,549,405
Interest bearing	994,549,269	907,330,561
Total deposits	1,325,880,532	1,235,879,966
Short term borrowings	183,433,892	107,557,246
Long term borrowings	37,842,567	9,593,318
Supplemental executive retirement plan	5,613,799	5,336,509
Income taxes payable	18,706	3,615,677
Other liabilities	5,563,349	4,117,284
Total liabilities	1,558,352,845	1,366,100,000
Stockholders' equity
Common stock, par value $0.01 per share; 25,000,000 shares authorized; issued and outstanding 10,910,915 for 2016 and 10,802,560 for 2015	109,109	108,026
Additional paid-in capital	106,692,958	105,293,606
Retained earnings	48,842,026	38,290,876
Accumulated other comprehensive income	(4,977,308)	38,200
Total Old Line Bancshares, Inc. stockholders’ equity	150,666,785	143,730,708
Non-controlling interest		258,181
Total stockholders' equity	150,666,785	143,988,889
Total liabilities and stockholders' equity	$ 1,709,019,630	$ 1,510,088,889

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Consolidated Balance Sheets
Loans held for sale, fair value (in dollars)	$ 8,707,516	$ 8,277,775
Loans held for investment, allowance for loan losses (in dollars)	$ 6,195,469	$ 4,909,818
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized shares	25,000,000	25,000,000
Common stock, shares issued	10,910,915	10,802,560
Common stock, shares outstanding	10,910,915	10,802,560

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest Income
Loans, including fees	$ 56,031,146	$ 47,948,411	$ 41,723,378
Interest and dividends on taxable investments:
U.S. treasury securities	18,838	10,520	21,680
U.S. government agency securities	266,302	521,947	567,785
Corporate bonds	130,374
Mortgage backed securities	2,060,415	1,502,468	1,498,353
Municipal securities	1,586,956	1,239,290	1,479,292
Federal funds sold	2,334	1,022	4,689
Other	368,175	229,136	308,069
Total interest income	60,464,540	51,452,794	45,603,246
Interest expense
Deposits	5,508,833	4,246,990	3,401,622
Borrowed funds	2,016,279	617,308	498,101
Total interest expense	7,525,112	4,864,298	3,899,723
Net interest income	52,939,428	46,588,496	41,703,523
Provision for loan losses	1,584,542	1,310,984	2,827,297
Net interest income after provision for loan losses	51,354,886	45,277,512	38,876,226
Non-interest income
Service charges on deposit accounts	1,728,636	1,729,773	1,904,063
Gain on sales or calls of investment securities	1,227,915	65,222	129,911
Gain on the sale of stock			96,993
Earnings on bank owned life insurance	1,132,401	1,009,653	988,204
Gain on disposal of assets	(27,176)	14,128	(30,131)
Income on marketable loans	2,317,648	2,019,313	771,815
Other fees and commissions	1,876,613	2,006,906	2,096,069
Total non-interest income	8,256,037	6,844,995	5,956,924
Non-interest expense
Salaries and benefits	20,031,638	17,237,222	17,831,394
Occupancy and equipment	6,788,213	5,775,874	6,268,593
Data processing	1,549,863	1,432,182	1,340,875
FDIC insurance and State of Maryland assessments	1,040,507	966,982	912,208
Merger and integration	661,018	1,420,570	29,167
Core deposit premium amortization	830,805	792,351	866,704
(Gain) Loss (gain) on sales of other real estate owned	(77,943)	49,717	(697,875)
OREO expense	318,498	430,559	554,057
Directors Fees	665,700	651,500	482,498
Communication	549,639	699,649	743,751
Telephone	762,943	659,934	667,095
Other operating	6,522,285	6,159,143	6,047,868
Total non-interest expense	39,643,166	36,275,683	35,046,335
Income before income taxes	19,967,757	15,846,824	9,786,815
Income tax expense	6,812,598	5,382,390	2,694,104
Net income	13,155,159	10,464,434	7,092,711
Less: Net loss (gain) attributable to the non-controlling interest	62	(4,152)	(37,589)
Net income available to common stockholders	$ 13,155,097	$ 10,468,586	$ 7,130,300
Basic earnings per common share (in dollars per share)	$ 1.21	$ 0.98	$ 0.66
Diluted earnings per common share (in dollars per share)	1.20	0.97	0.65
Dividend per common share (in dollars per share)	$ 0.24	$ 0.21	$ 0.18

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Income
Net income	$ 13,155,159	$ 10,464,434	$ 7,092,711
Other Comprehensive Income (Loss):
Unrealized (loss) gain on securities available for sale, net of taxes of ($3,751,409), 146,528 and $2,143,885), respectively.	(4,271,943)	224,945	3,291,241
Reclassification adjustment for realized gain on securities available for sale included in net income, net of taxes of $484,351, $25,727 and $51,243, respectively.	(743,564)	(39,495)	(78,668)
Other comprehensive income (loss)	(5,015,507)	185,450	3,212,573
Comprehensive Income	8,139,652	10,649,884	10,305,284
Comprehensive income (loss) attributable to the non-controlling interest	62	(4,152)	(37,589)
Comprehensive income available to common stockholders	$ 8,139,590	$ 10,654,036	$ 10,342,873

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Income
Unrealized gain (loss) on securities available for sale, taxes	$ (2,782,707)	$ 146,528	$ 2,143,885
Reclassification adjustment for realized gain on securities available for sale included in net income, taxes	$ 484,351	$ 25,727	$ 51,243

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($)	Regal Bancorp Inc.Common stock	Regal Bancorp Inc.Additional paid-in capital	Regal Bancorp Inc.	Common stock	Additional paid-in capital	Retained earnings	Accumulated other comprehensive income (loss)	Non-controlling interest	Total
Balance at Dec. 31, 2013				$ 107,772	$ 104,622,171	$ 24,879,275	$ (3,359,823)	$ 299,922	$ 126,549,318
Balance (in shares) at Dec. 31, 2013				10,777,113
Increase (Decrease) in Stockholders' Equity
Net income attributable to Old Line Bancshares, Inc.						7,130,300			7,130,300
Unrealized gain on securities available for sale, net of income tax benefit							3,212,573		3,212,573
Net loss attributable to non-controlling interest								(37,589)	(37,589)
Stock based compensation awards					336,652				336,652
Common stock cash dividends $0.18 per share						(1,941,777)			(1,941,777)
Stock options exercised including tax benefit				$ 256	276,905				277,161
Options exercised by directors and officers (in shares)				25,560
Restricted stock issued				$ 82	(82)
Restricted stock issued (in shares)				8,257
Balance at Dec. 31, 2014				$ 108,110	105,235,646	30,067,798	(147,250)	262,333	135,526,637
Balance (in shares) at Dec. 31, 2014				10,810,930
Increase (Decrease) in Stockholders' Equity
Net income attributable to Old Line Bancshares, Inc.						10,468,586			10,468,586
Acquisition	$ 2,306	$ 4,142,295	$ 4,144,601
Acquisition (in shares)	230,640
Unrealized gain on securities available for sale, net of income tax benefit							185,450		185,450
Net loss attributable to non-controlling interest								(4,152)	(4,152)
Stock based compensation awards					418,419				418,419
Common stock cash dividends $0.18 per share						(2,245,508)			(2,245,508)
Stock options exercised including tax benefit				$ 695	815,158				815,853
Options exercised by directors and officers (in shares)				69,500
Restricted stock issued				$ 307	(307)
Restricted stock issued (in shares)				30,727
Stock buyback				$ (3,392)	(5,317,605)				(5,320,997)
Stock buyback (in shares)				(339,237)
Balance at Dec. 31, 2015				$ 108,026	105,293,606	38,290,876	38,200	258,181	$ 143,988,889
Balance (in shares) at Dec. 31, 2015				10,802,560					10,802,560
Increase (Decrease) in Stockholders' Equity
Net income attributable to Old Line Bancshares, Inc.						13,155,097			$ 13,155,097
Unrealized gain on securities available for sale, net of income tax benefit							(5,015,508)		(5,015,508)
Purchase of non-controlling interest								$ (258,181)	(258,181)
Net loss attributable to non-controlling interest									62
Stock based compensation awards					562,672				562,672
Common stock cash dividends $0.18 per share						(2,603,947)			(2,603,947)
Stock options exercised including tax benefit				$ 718	837,045				837,763
Options exercised by directors and officers (in shares)				71,794
Restricted stock issued				$ 365	(365)
Restricted stock issued (in shares)				36,561
Balance at Dec. 31, 2016				$ 109,109	$ 106,692,958	$ 48,842,026	$ (4,977,308)		$ 150,666,785
Balance (in shares) at Dec. 31, 2016				10,910,915					10,910,915

Consolidated Statements of Cha8

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statement of Changes in Stockholders' Equity
Unrealized gain on securities available for sale, income tax expense (benefit)	$ 3,267,058	$ 120,801	$ 3,797,338
Dividend per common share (in dollars per share)	$ 0.24	$ 0.21	$ 0.18
Stock options exercised, tax benefit		$ 94,185	$ 23,934

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net income	$ 13,155,159	$ 10,464,434	$ 7,092,711
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	2,582,116	2,332,087	2,264,380
Provision for loan losses	1,584,542	1,310,984	2,827,297
Amortization of Intangible Assets	830,805	792,351	866,704
Change in deferred loan fees net of costs	(329,541)	(1,039)	(253,358)
(Gain)/loss on sale or calls of securities	(1,227,915)	(65,222)	(129,911)
Amortization of premiums and discounts	1,082,570	910,426	933,688
Origination of loans held for sale	(100,887,323)	(103,508,482)	(54,257,289)
Proceeds from sale of loans held for sale	100,581,376	99,944,100	51,723,894
Income on marketable loans	(2,317,648)	(2,019,313)	(771,815)
(Gain) Loss (gain) on sales of other real estate owned	(77,943)	49,717	(697,875)
Gain on the sale of equity securities			(96,993)
Write down of other real estate owned		145,165
Gain on sale of fixed assets	(27,176)	(14,128)	30,131
Deferred income taxes	7,509,357	2,496,521	(2,107,312)
Stock based compensation awards	562,672	418,419	336,652
Increase (decrease) in
Accrued interest payable	852,670	128,352	1,216
Income tax payable	(3,596,971)	3,130,242	(2,071,174)
Supplemental executive retirement plan	277,290	241,368	173,900
Other liabilities	593,395	(1,531,062)	467,726
Decrease (increase) in
Accrued interest receivable	(463,683)	(342,255)	214,496
Bank owned life insurance	(951,461)	(866,588)	(852,560)
Other assets	624,397	(13,821)	4,512,293
Net cash provided by operating activities	20,356,688	14,002,256	10,206,801
Cash flows from investing activities
Cash Acquired from Acquisition		6,344,304
Acquisition cash consideration		(2,852,321)
Purchase of investment securities available for sale	(153,226,365)	(51,567,606)	(28,384,137)
Proceeds from disposal of investment securities
Available for sale at maturity, call or paydowns	32,295,968		16,528,134
Available for sale sold	107,993,646	41,835,214	26,999,085
Loans made, net of principal collected	(214,308,249)	(129,132,289)	(82,548,387)
Proceeds from sale of other real estate owned	1,034,362	1,413,869	3,978,662
Change in equity securities	(3,361,001)		(233,973)
Change in equity securities		869,351
Purchase of premises and equipment	(3,151,842)	(2,399,547)	(1,251,894)
Proceeds from the sale of premises and equipment	27,176	14,128	(30,131)
Net cash used in investing activities	(232,696,305)	(135,474,897)	(64,942,641)
Net increase (decrease) in
Time deposits	17,131,785	94,563,356	(17,535,593)
Other deposits	72,868,781	21,602,161	58,915,512
Short term borrowings	75,876,646	46,554,357	11,472,764
Long term borrowings	28,249,249	(16,200,985)	(105,791)
Stock proceeds from stock repurchase program		(5,320,997)
Proceeds from stock options exercised	837,763	816,213	277,161
Cash dividends paid-common stock	(2,603,947)	(2,245,508)	(1,941,777)
Distributions on minority member(s)	(258,181)
Net cash used in financing activities	192,102,096	139,768,597	51,082,276
Net increase (decrease) in cash and cash equivalents	(20,237,521)	18,295,956	(3,653,564)
Cash and cash equivalents at beginning of period	43,700,692	25,404,736	29,058,300
Cash and cash equivalents at end of period	23,463,171	43,700,692	25,404,736
Supplemental Disclosure of Cash Flow Information:
Interest	6,423,846	4,735,946	2,898,507
Income taxes	2,725,000	415,220	(1,156,324)
Supplemental Disclosure of Non-Cash Flow Operating Activities:
Loans transferred to other real estate owned	$ 1,230,375	820,725	$ 1,421,365
WSB Holdings, Inc.
Fair Value of Assets and Liabilities from Acquisition [Abstract]
Fair value of tangible assets acquired		129,901,303
Other intangible assets acquired		2,715,463
Fair value of liabilities assumed		(125,619,844)
Total merger consideration		$ 6,996,922

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	1. Organization and Description of Business —Old Line Bancshares, Inc. (“Bancshares”) is the holding company for Old Line Bank (the “Bank”). We provide a full range of banking services to customers located in Anne Arundel, Baltimore, Calvert, Charles, Carroll, Prince George’s and St. Mary’s Counties in Maryland and surrounding areas. Basis of Presentation and Consolidation —The accompanying consolidated financial statements include the activity of Bancshares, its wholly owned subsidiary, Old Line Bank, and their wholly owned subsidiary Pointer Ridge Office Investment, LLC (“Pointer Ridge”). We have eliminated all significant intercompany transactions and balances. For 2015, we reported the non‑controlling interests in Pointer Ridge separately in the consolidated balance sheets. We report the income of Pointer Ridge attributable to Bancshares from the date of Bancshares’ acquisition of majority interest on the consolidated statements of income. Use of Estimates —The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. These estimates and assumptions may affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses. Cash and Cash Equivalents —For purposes of the Consolidated Statements of Cash Flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits and federal funds sold. Generally, we purchase and sell federal funds for one day periods. Investment Securities —As we purchase securities, management determines if we should classify the securities as held to maturity, available for sale or trading. We record the securities that management has the intent and ability to hold to maturity at amortized cost which is cost adjusted for amortization of premiums and accretion of discounts to maturity. We classify securities that we may sell before maturity as available for sale and carry these securities at fair value with unrealized gains and losses included in stockholders’ equity on an after tax basis. Management has not identified any investment securities as trading. We record gains and losses on the sale of securities on the trade date and determine these gains or losses using the specific identification method. We amortize premiums and accrete discounts using the interest method. Management systematically evaluates investment securities for other‑ than‑temporary declines in fair value on a quarterly basis. This analysis requires management to consider various factors, which include (1) duration and magnitude of the decline in value, (2) the financial condition of the issuer or issuers and (3) the structure of the security. A decline in the market value of any available for sale security below cost that is deemed other‑than‑temporary results in a charge to earnings and establishment of a new cost basis for that security. Stock Based Compensation Awards —The cost of employee services received in exchange for equity instruments, including stock options and restricted stock awards, is generally measured at fair value on the grant date. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of Bancshares’ common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards and as the restriction period for restricted stock awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. Equity Securities —Equity securities include stock from Federal Home Loan Bank, Atlantic Central Bankers Bank and Maryland Financial Bank, which are carried at cost that approximates fair value. Premises and Equipment —We record premises and equipment at cost less accumulated depreciation. Generally, we compute depreciation using the straight line method over the estimated useful life of the assets. Estimated useful life for our buildings is five to 50 years. Estimated useful life for our leasehold improvements is three to 30 years. Estimated useful life for our furniture and equipment is three to 23 years. Other Real Estate Owned —Other real estate owned consists of properties obtained through foreclosure proceedings or acceptance of a deed in lieu of foreclosure, and is reported on an individual asset basis at net realizable value. Net realizable value equals fair value and is determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources less estimated selling costs. While initial fair value is determined by independent third parties, management may subsequently reassess these valuations and apply additional discounts if necessary. When properties are acquired through foreclosure, any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is recognized and charged to the allowance for loan losses. Subsequent write‑downs are charged to a separate allowance for losses pertaining to real estate owned, established through provisions for estimated losses on other real estate owned charged to operations. Based upon management’s evaluation of the real estate acquired through foreclosure, additional expense is recorded when necessary in an amount sufficient to reflect any estimated declines in fair value. Gains and losses recognized on the disposition of the properties are also recorded in non‑interest expense in the consolidated statements of income. Costs of improvements to real estate are capitalized, while costs associated with holding the real estate are charged to operations. Mortgage Banking Activities —As part of normal business operations, we originate residential mortgage loans that have been pre‑approved by secondary investors. The terms of the loans are set by the secondary investors, and the purchase price that the investor will pay for the loan is agreed to prior to the commitment of the loan. Generally, within three weeks after funding, the loans are transferred to the investor in accordance with the agreed‑upon terms. At the date the loans are transferred to the investor, the servicing is released. On the settlement date of these loans, we record the gains from the sale of these loans equal to the difference between the proceeds to be received and the carrying amount of the loan. Goodwill and Other Intangible Assets —Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed related to the acquisitions of Maryland Bankcorp, Inc., WSB Holdings, Inc. and Regal Bancorp, Inc. Core deposit intangibles represent the estimated value of long‑term deposit relationships acquired in these transactions. The core deposit intangible is being amortized over 18 years for Maryland Bankcorp, Inc., ten years for WSB Holdings, Inc., and eight years for Regal Bancorp, Inc. and the estimated useful lives are periodically reviewed for reasonableness. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset’s fair value. The goodwill impairment analysis is a two‑step test . The first step, used to identify potential impairment, comparing the reporting unit’s estimated fair value to its carrying value, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying value, goodwill assigned to that reporting unit is considered not to be impaired. If the carrying value exceeds estimated fair value, there is an indication of potential impairment and the second step is performed to measure the amount of impairment of goodwill assigned to that reporting unit. If required, the second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated impairment. The implied fair value of goodwill is determined in a manner similar to the amount of goodwill calculated in a business combination, by measuring the excess of the estimated fair value of the reporting unit, as determined in the first step, over the aggregate estimated fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss cannot exceed the carrying value of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. We have determined that Bancshares has one reporting unit. We evaluated the carrying value of goodwill as of September 30, 2016, our annual test date, and determined that no impairment charge was necessary. Additionally, should Bancshares’ future earnings and cash flows decline and/or discount rates increase, an impairment charge to goodwill and other intangible assets may be required. There have been no events subsequent to the September 30, 2016 evaluation that caused us to perform an interim review of the carrying value of goodwill. Business Combinations —Accounting principles generally accepted in the United States (U.S. GAAP) requires that the acquisition method of accounting be used for all business combinations and that an acquirer be identified for each business combination. Under U.S. GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. U.S. GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any non‑controlling interest in the acquiree at the acquisition date. Loans and Interest Income —We report loans at face value plus deferred origination costs, less deferred origination fees and the allowance for loan losses. We accrue interest on loans based on the principal amounts outstanding. We amortize origination fees and costs to income over the terms of the loans using an approximate interest method. We discontinue the accrual of interest when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. Based on current information, we consider loans impaired when management determines that it is unlikely that the borrower will make principal and interest payments according to contractual terms. Generally, we do not review loans for impairment until we have discontinued the accrual of interest. We consider several factors in determining impairment including payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Generally, we do not classify loans that experience insignificant payment delays and payment shortfalls as impaired. Management determines the significance of payment delays and payment shortfalls on a case by case basis. We consider all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. We measure impairment on a loan by loan basis for commercial and real estate loans by determining either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. If it is doubtful that we will collect principal, we apply all payments to principal. We collectively evaluate large groups of smaller balance homogeneous loans for impairment. Accordingly, we do not separately identify individual consumer and residential loans for impairment unless such loans are the subject of a restructuring agreement or the borrower has filed bankruptcy. Acquired Loans —These loans are recorded at fair value at the date of acquisition, and accordingly no allowance for loan losses is transferred to the acquiring entity in connection with purchase accounting. The fair values of loans with evidence of credit deterioration (purchased, credit‑impaired loans) are initially recorded at fair value, but thereafter accounted for differently than purchased, non‑credit‑impaired loans. For purchased, credit‑impaired loans, the excess of all cash flows estimated to be collectable at the date of acquisition over the purchase price of the purchase credit‑impaired loan is recognized as interest income, using a level‑yield basis over the life of the loan. This amount is referred to as the accretable yield. The purchased credit‑impaired loan’s contractually‑required payments receivable estimated to be in excess of the amount of its future cash flows expected at the date of acquisition is referred to as the non‑accretable difference, and is not reflected as an adjustment to the yield, in the form of a loss accrual or a valuation allowance. Subsequent to the acquisition date, management continues to monitor cash flows on a quarterly basis, to determine the performance of each purchased, credit‑impaired loan in comparison to management’s initial performance expectations. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions or a reclassification of amount from non‑accretable difference to accretable yield, with a positive impact on the accretion of interest income in future periods. Acquired performing loans are accounted for using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Acquired performing loans are recorded as of the purchase date at fair value. Credit losses on the acquired performing loans are estimated based on analysis of the performing portfolio. A provision for loan losses is recognized for any further credit deterioration that occurs in these loans subsequent to the acquisition date. Loans Held‑for‑Sale —The loans classified in the held‑for‑sale portfolio consists of loans that have been committed to be purchased by investors in the secondary market at December 31, 2016 and will be settled subsequent to that date and reported at lower of cost. Allowance for Loan Losses —The allowance for loan losses represent an amount that, in management’s judgment, will be adequate to absorb probable losses on existing loans and other extensions of credit that may become uncollectible. Management bases its judgment in determining the adequacy of the allowance on evaluations of the collectability of loans. Management takes into consideration such factors as changes in the nature and volume of the loan portfolio, current economic conditions that may affect the borrowers’ ability to pay, overall portfolio quality, and review of specific problem areas. If the current economy or real estate market continues to suffer a severe downturn, we may need to increase the estimate for uncollectible accounts. We charge off loans that we deem uncollectible and deduct them from the allowance. We add recoveries on loans previously charged off to the allowance. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation. Within each of the above loan types, each portfolio is sorted by the risk assessment rating of each loan as Pass, Pass‑Watch, Special Mention or Substandard. The Bank’s loss experience (Loss Factor) is progressively tiered by risk category for Pass, Pass‑Watch, Special Mention and Substandard loans by applying a higher loss factor to higher risk rated categories. Loans rated “Doubtful” or “Loss” are, by definition, impaired and will be specifically reserved based upon Bank management’s best estimate of the loss exposure for each loan. The Bank’s loss experience for each of the last 12 quarters is aggregated and that total is used to create a percentage of the loan portfolio as it existed at the beginning of the 12 quarter “look back.” We collectively evaluate large groups of smaller balance homogeneous loans for impairment. Accordingly, we do not separately identify individual consumer and residential loans for impairment unless such loans are the subject of a restructuring agreement or the borrower has filed bankruptcy. Qualitative factors include: levels and trends in delinquencies and non‑accruals; trends in volumes and terms of loans; effects of any changes in lending policies; the experience, ability and depth of management; regional and local economic trends and conditions; Peer Group loan loss history; concentrations of credit; quality of the bank’s loan review system; external factors, such as competition, legal and regulatory requirements; and, management’s collective assessment of the appropriateness of the allowance for loan losses in light of recent trends, events, political impact and other considerations. Advertising —We expense advertising costs over the life of ad campaigns. We expense general purpose advertising as we incur it. Income Taxes —The provision for income taxes includes taxes payable for the current year and deferred income taxes. We determine deferred tax assets and liabilities based on the difference between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which we expect the differences to reverse. If needed, we use a valuation allowance to reduce the deferred tax assets to the amount we expect to realize. We allocate tax expense and tax benefits to Bancshares and its subsidiaries based on their proportional share of taxable income. Earnings Per Share —We determine basic earnings per common share by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding giving retroactive effect to stock dividends. We calculate diluted earnings per common share by including the average dilutive common stock equivalents outstanding during the period. Dilutive common equivalent shares consist of stock options and warrants, calculated using the treasury stock method. Years Ended December 31, 2016 2015 2014 Net Income $ $ $ Denominator: Weighted average common shares outstanding Effect of Diluted Shares Diluted shares Net income per share: Basic $ $ $ Diluted $ $ $ Comprehensive Income —Comprehensive income includes net income attributable to Bancshares and the unrealized gain (loss) on investment securities available for sale net of related income taxes. The line item affected in the consolidated statements of income by the re‑classified amounts is gain on sales or calls of investment securities. Reclassifications —We have made certain reclassifications to the 2015 and 2014 financial presentation to conform to the 2016 presentation. Such reclassifications had no effect on previously reported cash flows, stockholders’ equity or net income. Recent Accounting Pronouncements — In May 2014, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2014-09 – Revenue from Contracts with Customers , which will supersede nearly all existing revenue recognition guidance under U.S. GAAP. The core principal of this ASU is that an entity should recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This ASU will be effective for us in our first quarter of 2018. Early adoption is not permitted. The ASU allows for either full retrospective or modified retrospective adoption. We are evaluating the transition method that will be elected and the potential effects of the adoption of this ASU on our financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805) : Simplifying the Accounting for Measurement-Period Adjustments. The amendments in ASU No. 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The adoption of ASU 2015-16 did not have a material impact on our consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Recognition and Measurement of Financial Assets and Liabilities , which is intended to improve the recognition and measurement of financial instruments by: requiring equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; requiring separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as “own credit”) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. Bancshares is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . The FASB issued this ASU to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet by lessees for those leases classified as operating leases under current U.S. GAAP and disclosing key information about leasing arrangements. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018. Early application of this ASU is permitted for all entities. Bancshares is currently assessing the impact that the adoption of this standard will have on its financial condition and results of operations. In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting (“ASU 2016-09”), which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. ASU 2016-09 is effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. Early application is permitted. Bancshares is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. In June 2016 , the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which sets forth a “current expected credit loss” ("CECL") model requiring Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Bancshares is currently assessing the impact of the adoption of this ASU on its consolidated financial statements. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments, to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments provide guidance on the following nine specific cash flow issues: 1) debt prepayment or debt extinguishment costs; 2) settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing; 3) contingent consideration payments made after a business combination; 4) proceeds from the settlement of insurance claims; 5) proceeds from the settlement of corporate-owned life insurance policies, including bank-owned; 6) life insurance policies; 7) distributions received from equity method investees; 8) beneficial interests in securitization transactions; and 9) separately identifiable cash flows and application of the predominance principle. The amendments are effective for public companies for fiscal years beginning after December 31, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. Bancshares is currently evaluating the impact of adopting these amendments on its consolidated financial statements.

Acquisition of Regal Bancorp In

Acquisition of Regal Bancorp Inc	12 Months Ended
	Dec. 31, 2016
Regal Acquisition
Regal Acquisition	2 . Acquisition of Regal Bancorp, Inc. On December 4, 2015, Bancshares completed its acquisition of Regal Bancorp, Inc. (“Regal”), the parent company of Regal Bank & Trust (“Regal Bank”), through the merger of Regal with and into Bancshares (the “Merger”). As a result of the Merger, each share of preferred stock of Regal was converted into the right to receive $2.00 in cash, and each share of common stock of Regal was converted into the right to receive, at the holder’s election, $12.68 in cash or 0.7718 shares of Bancshares’ common stock, provided (i) cash was paid in lieu of any fractional shares of Bancshares common stock and (ii) no more than 59 % of the total consideration paid in the merger could consist of cash. As a result Bancshares issued approximately 230,640 shares of its common stock and paid approximately $2.9 million in cash in exchange for the shares of common stock and preferred stock of Regal in the Merger. The aggregate Merger consideration was approximately $7.0 million as calculated pursuant to the Merger Agreement. In connection with the Merger, Regal Bank was merged with and into the Bank, with the Bank the surviving bank. The acquired assets and assumed liabilities of Regal Bancorp were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of Regal Bancorp. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Management used quoted or current market prices to determine the fair value of investment securities, long‑term borrowings and trust preferred subordinated debentures that were assumed from Regal Bancorp. The following table provides the purchase price as of the acquisition date and the identifiable assets acquired and liabilities assumed at their estimated fair values. Purchase Price Consideration Cash consideration $ Purchase price assigned to shares exchanged for stock Total purchase price for Regal acquisition Fair Value of Assets Acquired Cash and due from banks $ Investment securities available for sale Loans, net of deferred fees and costs Premises and equipment Accrued interest receivable Deferred income taxes Bank owned life insurance Other real estate owned Core deposit intangible Other assets Total assets acquired $ Fair Value of Liabilities assumed Deposits $ Long term borrowings Trust preferred subordinated debentures Other liabilities Total liabilities assumed $ Fair Value of net assets acquired Total Purchase Price Goodwill recorded for Regal $ Pro forma financial information is not provided because such amounts are not meaningful to Bancshares’ consolidated financial statements. The following is an outline of the expenses that we have incurred during the years ended December 31, 2016 and 2015 in conjunction with the Regal merger: Years ended December 31, 2016 2015 Data processing $ $ Salaries — Advisory & legal fees Other $ $

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2016
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	3. Goodwill and Other Intangible Assets The following is a summary of changes in the carrying amounts of goodwill as well as the gross carrying amounts and accumulated amortization of core deposit intangibles: December 31, 2016 2015 Goodwill: Carrying amount at beginning of year $ $ Goodwill from Regal acquisition — Carrying amount at end of year $ $ Core deposit intangible: Core deposit intangible $ $ Acquired during the year — Less accumulated amortization Carrying amount at end of year $ $ We recorded amortization expense related to the core deposit intangible of $830,805, $792,351 and $866,704 for the years ended December 31, 2016, 2015 and 2014, respectively. Core deposit intangibles are being amortized as follows: Core Deposit Years ended December 31, Premium 2017 2018 2019 2020 2021 Thereafter Total $

Cash and Equivalents

Cash and Equivalents	12 Months Ended
	Dec. 31, 2016
Cash and Equivalents
Cash and Equivalents	4. Cash and Cash Equivalents The Bank may carry balances with other banks that exceed the federally insured limit. We did not have any accounts that exceeded the federally insured limit in 2016 or 2015. The Bank also sells federal funds on an unsecured basis to the same banks. The average balance sold was $491 thousand and $365 thousand 2016 and 2015, respectively. Federal banking regulations require banks to carry non‑interest bearing cash reserves at specified percentages of deposit balances. The Bank’s normal amount of cash on hand and on deposit with other banks is sufficient to satisfy the reserve requirements.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2016
Investment Securities
Investment Securities	5. Investment Securities Investment securities are summarized as follows: Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value December 31, 2016 Available for sale U. S. treasury $ $ $ $ U.S. government agency — Corporate bonds Municipal securities (3,587,676) Mortgage backed securities: FHLMC certificates FNMA certificates — GNMA certificates $ $ $ $ December 31, 2015 Available for sale U. S. treasury $ $ $ $ U.S. government agency Municipal securities Mortgage backed securities FHLMC certificates FNMA certificates GNMA certificates SBA loan pools — $ $ $ $ The table below summarizes investment securities with unrealized losses and the length of time the securities have been in an unrealized loss position as of December 31, 2016 and 2015: December 31, 2016 Less than 12 months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized value losses value losses value losses U. S. treasury $ $ $ — $ — $ $ U.S. government agency — — Corporate bonds — — Municipal securities — — Mortgage backed securities FHLMC certificates — — FNMA certificates — — GNMA certificates $ $ $ $ $ $ December 31, 2015 Less than 12 months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized value losses value losses value losses U. S. treasury $ $ $ — $ — $ $ U.S. government agency Municipal securities Mortgage backed securities FHLMC certificates — — FNMA certificates GNMA certificates SBA loan pools — — $ $ $ $ $ $ At December 31, 2016, we had 166 investment securities that were in an unrealized loss position for less than 12 months and 7 investment securities in an unrealized loss position for 12 months or more. We consider all unrealized losses on securities as of December 31, 2016 to be temporary losses because we will redeem each security at face value at or prior to maturity. We have the ability and intent to hold these securities until recovery or maturity. As of December 31, 2016, we do not have the intent to sell any of the securities classified as available for sale with unrealized losses and believe that it is more likely than not that we will not have to sell any such securities before a recovery of cost. In most cases, market interest rate fluctuations cause a temporary impairment in value. We expect the fair value to recover as the investments approach their maturity date or re‑pricing date or if market yields for these investments decline. We do not believe that credit quality caused the impairment in any of these securities. Because we believe these impairments are temporary, we have not recognized any other than temporary impairment loss in our consolidated statement of income. During the year ended December 31, 2016, we received $140.3 million in proceeds from sales, maturities or calls and principal pay-downs on investment securities and realized gains of $1.3 million and realized losses of $92 thousand for total realized net gain of $1.2 million. The net proceeds of these transactions were used to re-balance the investment portfolio, which resulted in a slightly higher yield on our security investments. During the year ended December 31, 2015, exclusive of the sale of investments acquired in the Regal merger of $24 million, we received $6.0 million in proceeds from sales, maturities or calls and principal pay-downs on investment securities and realized gains of $69 thousand and realized losses of $4 thousand for total realized net gain of $65 thousand. As a result of the Regal acquisition, we acquired $24 million in investment securities, which consisted of longer duration MBS that we sold immediately for no effect on the income statement. Proceeds from the sale of this portfolio was used to purchase shorter duration 15 year MBS and municipal bonds. Contractual maturities and pledged securities at December 31, 2016 and 2015 are shown below. Actual maturities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without prepayment penalties. In addition, we classify mortgage backed securities based on maturity date, although the Bank receives payments on a monthly basis. We have pledged securities to customers who have funds invested in overnight repurchase agreements and deposits. 2016 2015 Amortized Fair Amortized Fair December 31, cost value cost value Maturing Within one year $ $ $ $ Over one to five years Over five to ten years Over ten years $ $ $ $ Pledged securities $ $ $ $

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2016
Loans and Allowance for Loan Losses
Loans and Allowance for Loan Losses	6. Loans and Allowance for Loan Losses Major classifications of loans are as follows: December 31, 2016 December 31, 2015 Legacy(1) Acquired Total Legacy(1) Acquired Total Commercial Real Estate Owner Occupied $ $ $ $ $ $ Investment Hospitality Land and A&D Residential Real Estate First Lien—Investment First Lien—Owner Occupied Residential Land and A&D HELOC and Jr. Liens Commercial and Industrial Consumer Allowance for loan losses Deferred loan costs, net — — $ $ $ $ $ $ As a result of the acquisitions of Maryland Bankcorp, Inc. (“Maryland Bankcorp”), the parent company of Maryland Bank & Trust Company, N.A. (“MB&T”), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank (“WSB”), in May 2013, and Regal Bancorp, Inc. (“Regal"), the parent company of Regal Bank & Trust (“Regal Bank”), in December 2015, we have segmented the portfolio into two components, loans originated by Old Line Bank “Legacy” and loans acquired from MB&T, WSB and Regal Bank “Acquired.” Credit Policies and Administration We have adopted a comprehensive lending policy, which includes stringent underwriting standards for all types of loans. We have designed our underwriting standards to promote a complete banking relationship rather than a transactional relationship. In an effort to manage risk, prior to funding, the loan committee consisting of the Executive Officers and seven members of the Board of Directors must approve by a majority vote all credit decisions in excess of a lending officer’s lending authority. Management believes that it employs experienced lending officers, secures appropriate collateral and carefully monitors the financial condition of its borrowers and loan concentrations. In addition to the internal business processes employed in the credit administration area, the Bank retains an outside independent firm to review the loan portfolio. This firm performs a detailed annual review and an interim update. We use the results of the firm’s report to validate our internal ratings and we review the commentary on specific loans and on our loan administration activities in order to improve our operations. Commercial Real Estate Loans We finance commercial real estate for our clients, for owner occupied and investment properties. Commercial real estate loans totaled $953.9 million and $767.6 million, respectively, at December 31, 2016 and 2015. This lending has involved loans secured by owner‑occupied commercial buildings for office, storage and warehouse space, as well as non‑owner occupied commercial buildings. Our underwriting criteria for commercial real estate loans include maximum loan‑to‑value ratios, debt coverage ratios, secondary sources of repayments, guarantor requirements, net worth requirements and quality of cash flows. Loans secured by commercial real estate may be large in size and may involve a greater degree of risk than one‑to‑four family residential mortgage loans. Payments on such loans are often dependent of successful operation or management of the properties. We will generally finance owner occupied commercial real estate that does not exceed loan to value of 80% and investor real estate at a maximum loan to value of 75%. Commercial real estate lending entails significant risks. Risks inherent in managing our commercial real estate portfolio relate to sudden or gradual drops in property values as well as changes in the economic climate that may detrimentally impact the borrower’s ability to repay. We monitor the financial condition and operating performance of the borrower through a review of annual tax returns and updated financial statements. In addition, we meet with the borrower and/or perform site visits as required. At December 31, 2016 and 2015, we had approximately $152.8 million and $102.2 million, respectively, of commercial real estate loans outstanding to the hospitality industry. An individual review of these loans indicates that they generally have a low loan to value, more than acceptable existing or projected cash flow, are to experienced operators and are generally dispersed throughout the region. Residential Real Estate Loans We offer a variety of consumer oriented residential real estate loans including home equity lines of credit, home improvement loans and first or second mortgages on investment properties. Our residential loan portfolio amounted to $265.2 million and $260.7 million, respectively, at December 31, 2016 and 2015. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our residential real estate loans with a security interest in the borrower’s primary or secondary residence with a loan to value not exceeding 85%. Our initial underwriting includes an analysis of the borrower’s debt/income ratio which generally may not exceed 43%, collateral value, length of employment and prior credit history. A credit score of 640 is required. We do not originate any subprime residential real estate loans. This segment of our portfolio also consists of funds advanced for construction of custom single family residences homes (where the home buyer is the borrower) and financing to builders for the construction of pre-sold homes and multi‑family housing. These loans generally have short durations, meaning maturities typically of twelve months or less. The Bank limits its construction lending risk through adherence to established underwriting procedures. These loans generally have short durations, meaning maturities typically of twelve months or less. Residential houses, multi‑family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. The vast majority of these loans are concentrated in our market area. Construction lending also entails significant risk. These risks generally involve larger loan balances concentrated with single borrowers with funds advanced upon the security of the land or the project under construction. An appraisal of the property estimates the value of the project “as is” and “as if completed.” An appraisal of the property estimates the value of the project prior to completion of construction. Thus, initial funds are advanced based on the current value of the property with the remaining construction funds advanced under a budget sufficient to successfully complete the project within the “as completed” loan to value. To further mitigate the risks, we generally limit loan amounts to 80% or less of appraised values and obtain first lien positions on the property. We generally only offer real estate construction financing only to experienced builders, commercial entities or individuals who have demonstrated the ability to obtain a permanent loan “take‑out” (conversion to a permanent mortgage upon completion of the project). We also perform a complete analysis of the borrower and the project under construction. This analysis includes a review of the cost to construct, the borrower’s ability to obtain a permanent “take‑out” the cash flow available to support the debt payments and construction costs in excess of loan proceeds, and the value of the collateral. During construction, we advance funds on these loans on a percentage of completion basis. We inspect each project as needed prior to advancing funds during the term of the construction loan. We may provide permanent financing on the same projects for which we have provided the construction financing. We also offer fixed rate home improvement loans. Our home equity and home improvement loan portfolio gives us a diverse client base. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our home equity loans and lines of credit with a security interest in the borrower’s primary or secondary residence. Under our loan approval policy, all residential real estate loans approved must comply with federal regulations. Generally, we will make residential mortgage loans in amounts up to the limits established by Fannie Mae and Freddie Mac for secondary market resale purposes. Currently this amount for single‑family residential loans currently varies from $424,100 up to a maximum of $636,150 for certain high‑cost designated areas. We also make residential mortgage loans up to limits established by the Federal Housing Administration, which currently is $636,150. The Washington, D.C. and Baltimore areas are both considered high‑cost designated areas. We will, however, make loans in excess of these amounts if we believe that we can sell the loans in the secondary market or that the loans should be held in our portfolio. For loans sold in the secondary market, we typically require a credit score or 640, with some exceptions provided we receive an approval recommendation from FannieMae, FreddieMac or FHA’s automated underwriting approval system. For Veteran Administration loans, we require a minimum score of 620. Loans sold in the secondary market are sold to investors on a servicing released basis and recorded as loans as held‑for‑sale. The premium is recorded in income on marketable loans in non‑interest income, net of commissions paid to the loan officers. Commercial and Industrial Lending Our commercial and industrial lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, SBA loans, standby letters of credit and unsecured loans. We originate commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and acquisition activities. We have a diverse client base and we do not have a concentration of these types of loans in any specific industry segment. We generally secure commercial business loans with accounts receivable, equipment, deeds of trust and other collateral such as marketable securities, cash value of life insurance and time deposits at the Bank. Commercial business loans have a higher degree of risk than residential mortgage loans because the availability of funds for repayment generally depends on the success of the business. They may also involve high average balances, increased difficulty monitoring and a high risk of default. To help manage this risk, we typically limit these loans to proven businesses and we generally obtain appropriate collateral and personal guarantees from the borrower’s principal owners and monitor the financial condition of the business. For loans in excess of $250,000, monitoring generally includes a review of the borrower’s annual tax returns and updated financial statements. Consumer Loans We offer various types of secured and unsecured consumer loans. We make consumer loans for personal, family or household purposes as a convenience to our customer base. This category includes our luxury boat loans, which we made prior to 2008 and that remain in our portfolio. Consumer loans, however, are not a focus of our lending activities. The underwriting standards for consumer loans include a determination of the applicant’s payment history on other debts and an assessment of his or her ability to meet existing obligations and payments on the proposed loan. As a general guideline, a consumer’s total debt service should not exceed 40% of his or her gross income. Consumer loans may present greater credit risk than residential mortgage loans because many consumer loans are unsecured or rapidly depreciating assets secure these loans. Repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance because of the greater likelihood of damage, loss or depreciation. Consumer loan collections depend on the borrower’s continuing financial stability. If a borrower suffers personal financial difficulties, the consumer may not repay the loan. Also, various federal and state laws, including bankruptcy and insolvency laws, may limit the amount we can recover on such loans. Concentrations of Credit Most of our lending activity occurs within the state of Maryland within the suburban Washington, D.C. market area in Anne Arundel, Calvert, Charles, Montgomery, Prince George’s and St. Mary’s Counties. The majority of our loan portfolio consists of commercial real estate loans and residential real estate loans. We also have a presence in Baltimore County and Carroll County, Maryland due to the Regal acquisition. Non‑Accrual and Past Due Loans We consider loans past due if the borrower has not paid the required principal and interest payments when due under the original or modified terms of the promissory note and place a loan on non‑accrual status when the payment of principal or interest has become 90 days past due. When we classify a loan as non‑accrual, we no longer accrue interest on such loan and we reverse any interest previously accrued but not collected. We will generally restore a non‑accrual loan to accrual status when the borrower brings delinquent principal and interest payments current and we expect to collect future monthly principal and interest payments. We recognize interest on non‑accrual legacy loans only when received. We originally recorded purchased, credit‑impaired loans at fair value upon acquisition, and an accretable yield is established and recognized as interest income on purchased loans to the extent subsequent cash flows support the estimated accretable yield. Purchased, credit‑impaired loans that perform consistently with the accretable yield expectations are not reported as non‑accrual or non‑performing. However, purchased, credit‑impaired loans that do not continue to perform according to accretable yield expectations are considered impaired, and presented as non‑accrual and non‑performing. Currently, management expects to fully collect the carrying value of acquired, credit‑impaired loans. The table below presents an aging analysis of the loan held for investment portfolio at December 31, 2016 and 2015. Age Analysis of Past Due Loans December 31, 2016 December 31, 2015 Legacy Acquired Total Legacy Acquired Total Current $ $ $ $ $ $ Accruing past due loans: 30 - 89 days past due Commercial Real Estate: Owner Occupied — — Investment — — — — Land and A&D — — — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied — HELOC and Jr. Liens — — — — Commercial — Consumer — — — — Total 30 - 89 days past due 90 or more days past due Commercial Real Estate: Owner Occupied — — — — Land and A&D — — — — Residential Real Estate: First Lien-Owner Occupied — — — — Consumer — — Total 90 or more days past due — Total accruing past due loans Recorded Investment Non-accruing loans: Commercial Real Estate: Owner Occupied — — Investment — — — — Hospitality — — — — Land and A&D — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied — — Commercial — — Non-accruing past due loans: Total Loans $ $ $ $ $ $ We evaluate all impaired loans, which includes non‑performing loans and troubled debt restructurings (TDRs). We do not recognize interest income on non‑performing loans during the time period that the loans are non‑performing. We only recognize interest income on non‑performing loans when we receive payment in full for all amounts due of all contractually required principle and interest, and the loan is current with its contractual terms. We individually evaluate all legacy substandard loans risk rated seven, certain legacy special mention loans risk rated six and all legacy TDR for impairment. We individually evaluate all acquired loans that we risk rated substandard seven subsequent to the acquisition, certain acquired special mention loans risk rated six and all acquired TDRs for impairment. We also evaluate all loans acquired and recorded at fair value under ASC 310‑30 for impairment. The table below presents our impaired loans at December 31, 2016. Impaired Loans Twelve months ended December 31, 2016 Unpaid Average Interest Principal Recorded Related Recorded Income Balance Investment Allowance Investment Recognized Legacy With no related allowance recorded: Commercial Real Estate: Owner Occupied $ $ $ — $ $ Investment — Residential Real Estate: First Lien-Owner Occupied — Commercial — With an allowance recorded: Commercial Real Estate: Owner Occupied Investment Hospitality Land and A&D Residential Real Estate: First Lien-Owner Occupied Commercial Total legacy impaired Acquired(1) With no related allowance recorded: Commercial Real Estate: Land and A&D — Residential Real Estate: First Lien-Owner Occupied — First Lien-Investment — Land and A&D — — With an allowance recorded: Commercial Real Estate: Land and A&D Commercial Total acquired impaired Total impaired $ $ $ $ $ (1) Generally accepted accounting principles require that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are not performing according to their contractual terms and meet the definition of an impaired loan. Although we do not accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans. The table below presents our impaired loans at December 31, 2015. Impaired Loans Twelve months ended December 31, 2015 Unpaid Average Interest Principal Recorded Related Recorded Income Balance Investment Allowance Investment Recognized Legacy With no related allowance recorded: Commercial Real Estate: Owner Occupied $ $ $ — $ $ Investment — Residential Real Estate: First Lien-Investment — — Commercial — — With an allowance recorded: Commercial Real Estate: Owner Occupied — Commercial Total legacy impaired Acquired(1) With no related allowance recorded: Residential Real Estate: — — First Lien-Owner Occupied First Lien-Investment — With an allowance recorded: First Lien-Owner Occupied — Total acquired impaired Total impaired $ $ $ $ $ (1) We consider a loan a TDR when we conclude that both of the following conditions exist: the restructuring constitutes a concession and the debtor is experiencing financial difficulties. Restructured loans at December 31, 2016 consisted of seven loans for $897 thousand compared to five loans at December 31, 2015 for $711 thousand. The following table includes the recorded investment and number of modifications for TDRs for the years ended December 31, 2016 and 2015. We report the recorded investment in loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Reductions in the recorded investment are primarily due to the partial charge‑off of the principal balance prior to the modification. Loans Modified as a TDR for the twelve months ended December 31, 2016 December 31, 2015 Pre- Post Pre- Post Modification Modification Modification Modification Outstanding Outstanding Outstanding Outstanding Troubled Debt Restructurings— # of Recorded Recorded # of Recorded Recorded (Dollars in thousands) Contracts Investment Investment Contracts Investment Investment Acquired Commercial Real Estate — — — — — — Residential Real Estate Non-Owner Occupied Residential Real Estate Owner Occupied — — — Total Troubled Debt Restructurings $ $ $ $ There were no loans that were modified as TDRs during the previous 12 months and for which there was a payment default during the years ended December 31, 2016 or 2015. Acquired Impaired Loans The following table documents changes in the accretable discount/(premium) on all purchased credit impaired loans during the years ended December 31, 2016 and 2015, along with the outstanding balances and related carrying amounts for the beginning and end of those respective periods.. December 31, 2016 2015 Balance at beginning of period $ $ Additions due to Regal acquisition — Accretion of fair value discounts Reclassification from non-accretable (1) Balance at end of period $ $ Contractually Required Payments Carrying Receivable Amount At December 31, 2016 $ $ At December 31, 2015 (1) Represents amounts paid in full on loans, payments on loans with zero balances and an increase in cash flows expected to be collected. Credit Quality Indicators We review the adequacy of the allowance for loan losses at least quarterly. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation. We determine loss ratios for all loans based upon a review of the three year loss ratio for the category and qualitative factors. With respect to commercial loans, management assigns a risk rating of one through nine as follows: · Risk rating 1 (Highest Quality)—This category has the highest relative probability of repayment. Borrowers in this category would normally be investment grade risks, meaning entities having access (or capable of access) to the public capital markets and the supporting loan underwriting conforms to the standards of institutional credit providers. Credit risk is virtually absent due to the borrower’s substantial financial capacity, superior liquidity, and outstanding debt service coverage. This rating is generally reserved for the strongest customers of the Bank, or for loans that are secured by a perfected security interest in U. S. Government securities, investment grade government sponsored entities bonds, investment grade municipal bonds, insured savings accounts and insured certificates of deposit drawn on Old Line Bank or other high quality financial institutions. Loans to individuals of vast financial capacity, or those supported by conservatively margined liquid collateral, may warrant this Highest Quality rating. · Risk rating 2 (Very Good Quality) is normally assigned to a loan with a very high probability of repayment. Borrowers in this category may have access to alternative sources of financing. Credit risk is minimal due to the borrower’s sound primary and secondary repayments sources, strong debt capacity and coverage and good management in all key positions. This rating is generally reserved for strong customers of the Bank, or for loans secured by a properly margined portfolio of high quality traded stocks, lower grade municipal bonds and uninsured certificates of deposit at other financial institutions. Loans to individuals of substantial financial capacity, exhibiting significant liquidity, low leverage and a well‑defined source of repayment may warrant this Very Good Quality rating. · Risk rating 3 (Good Quality) is normally assigned to a loan with a sound primary and secondary source of repayment. This category represents a below average degree of risk as to repayment with no loss potential indicated. Borrowers in this category represent a reasonable credit risk with demonstrated ability to repay the debt from normal business operations. Borrowers should have a sound balance sheet, modest leverage, good liquidity and above average debt service coverage. There should be no significant departure from the intended source and timing of repayment and no undue reliance on secondary sources of repayment. To the extent that some variance exists in one or more criteria being measured, it may be offset by the relative strength of other factors and/or collateral pledged to secure the transaction. Loans to individuals of strong financial capacity, exhibiting good liquidity, reasonable leverage and defined primary and secondary sources of repayment may warrant this Good Quality rating. · Risk rating 4 (Average Quality)—This category represents an average degree of risk as to repayment with minimal to no loss potential indicated. Borrowers in this category exhibit generally stable operating trends. Borrowers should have a satisfactory balance sheet, manageable leverage, moderate liquidity and average debt service coverage. There should be no adverse departure from the intended source and timing of repayment and secondary sources of repayment should be readily available. Loans to individuals with adequate to strong net worth and some liquidity may warrant an Average Quality rating. · Risk rating 5 (Pass/Watch)—Borrowers in this category generally exhibit characteristics of an Average Quality credit, but may be experiencing income volatility, negative operating trends and a more highly leveraged balance sheet, thus warranting more than the normal level of supervision. Loans to borrowers with industry volatility, declining market share, marginal or new management, weak internal reporting systems, inadequate financial reporting to the Bank and loans to start‑up businesses or businesses with untested management generally warrant a “Watch” designation; provided, however, that events or circumstances prompting this rating do not constitute an undue or unwarranted credit risk. Credits that require additional monitoring such as construction loans, asset based loans and loans granted under certain government lending programs (i.e. U. S. Small Business Administration—“SBA”) may be carried in this category where the risk or monitoring needs may be higher than the norm. Additionally, credits may be placed in this category because of an adverse event that has not weakened the credit, but which should be followed to assure that resolution occurs without material impact on the borrower. · Risk rating 6 (Special Mention)—Loans in this category generally represent currently protected, but potentially weak assets that deserve management’s close attention. If left uncorrected, the potential weaknesses may, at some future date, result in deterioration of the repayment prospects for the loan or in the Bank’s credit position. These loans constitute an unwarranted credit risk, but do not expose the Bank to sufficient risk to warrant adverse classification. Loans in this category may include credits that the Bank may be unable to supervise properly because of a lack of expertise, inadequate loan agreement, outdated and /or incomplete financial reporting, the condition of and control over collateral, failure to obtain proper documentation, or any other deviations from prudent lending practices. Economic or market conditions that may, in the future, affect the borrower, an adverse trend in the borrower’s operations or an imbalanced position in the balance sheet that has not reached a point where liquidation is jeopardized may warrant this Special Mention designation. · Risk rating 7 (Substandard)—Loans in this category represent assets inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged. These assets have a well‑defined weakness, or weaknesses, that jeopardize liquidation of the debt and are characterized by the distinct possibility that the Bank will sustain some loss if deficiencies are not corrected. Loss potential, while existing in the aggregate amount of Substandard credits, does not have to exist in individual extensions of credit classified Substandard. Loans in this category are subject to impairment analysis, may require a specific reserve allocation and may be placed on non‑accrual status. · Risk rating 8 (Doubtful)—Loans in this category have all the weaknesses inherent in a Substandard credit with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly improbable. The key issue that makes a loan Doubtful is the potential for loss. The possibility for some degree of loss is extremely high, but because of certain important and reasonably specific pending factors that may be advantageous and strengthen the credit, a classification as an estimated loss is deferred until a more exact status can be determined. Such pending factors could include a proposed merger, acquisition or liquidation procedures, additional capital injection, perfection of liens on additional collateral and refinancing plans. Doubtful assets are subject to impairment analysis, a specific reserve allocation and must be placed on non‑accrual status. · Risk rating 9 (Loss) is assigned to charged‑off loans. We consider assets classified as loss as uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has no recovery value, but that it is not practical to defer writing off the worthless assets, even though partial recoveries may occur in the future. Loans are charged off within the period in which they are determined to be uncollectible. We charge off loans that management has identified as losses. We consider suggestions from our external loan review firm and bank examiners when determining which loans to charge off. We automatically charge off consumer loan accounts based on regulatory requirements. We partially charge off real estate loans that are collateral dependent based on the value of the collateral. If a loan that was previously rated a pass performing loan, from our acquisitions, deteriorates subsequent to the acquisition, the subject loan will be assessed for risk and, if necessary, evaluated for impairment. If the risk assessment rating is adversely changed and the loan is determined to not be impaired, the loan will be placed in a migration category and the credit mark established for the loan will be compared to the general reserve allocation that would be applied using the current allowance for loan losses formula for General Reserves. If the credit mark exceeds the allowance for loan losses formula for General Reserves, there will be no change to the allowance for loan losses. If the credit mark is less than the current allowance for loan losses formula for General Reserves, the allowance for loan losses will be increased by the amount of the shortfall by a provision recorded in the income statement. If the loan is deemed impaired, the loan will be subject to evaluation for loss exposure and a specific reserve. If the estimate of loss exposure exceeds the credit mark, the allowance for loan losses will be increased by the amount of the excess loss exposure through a provision. If the credit mark exceeds the estimate of loss exposure there will be no change to the allowance for loan losses. If a loan from the acquired loan portfolio is carrying a specific credit mark and a current evaluation determines that there has been an increase in loss exposure, the allowance for loan losses will be increased by the amount of the current loss exposure in excess of the credit mark. The following tables outline the allocation of the loan portfolio by risk rating at December 31, 2016 and 2015. Account Balance December 31, 2016 Legacy Acquired Total Risk Rating Pass(1 - 5) Commercial Real Estate: Owner Occupied $ $ $ Investment Hospitality Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens Commercial Consumer Special Mention(6) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens — — — Commercial Consumer — — — Substandard(7) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens — — — Commercial Consumer — — — Doubtful(8) — — — Loss(9) — — — Total $ $ $ Account Balance December 31, 2015 Legacy Acquired Total Risk Rating Pass(1 - 5) Commercial Real Estate: Owner Occupied $ $ $ Investment Hospitality Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens Commercial Consumer Special Mention(6) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Oc

Equity Securities

Equity Securities	12 Months Ended
	Dec. 31, 2016
Equity Securities
Equity Securities	7. Equity Securities We own the following equity securities: December 31, 2016 2015 Atlantic Central Bankers Bank stock $ $ Federal Home Loan Bank stock ICBA Stock Maryland Financial Bank stock Investment in Maryland Statutory Trust Total $ $ We carry these securities at cost and have evaluated them for other than temporary impairment. In 2016 and 2015, we did not record any such impairment.

Pointer Ridge Office Investment

Pointer Ridge Office Investment, LLC	12 Months Ended
	Dec. 31, 2016
Pointer Ridge Office Investment, LLC
Pointer Ridge Office Investment, LLC	8. Pointer Ridge Office Investment, LLC We currently own 100% of Pointer Ridge and we have consolidated its results of operations from the date of acquisition. In August 2016, the Bank purchased the aggregate 37.5% minority interest in Pointer Ridge not held by Bancshares and on September 2, 2016, we paid off the entire $5.8 million principal amount of a promissory note previously issued by Pointer Ridge. Pointer Ridge owns our headquarters building located at 1525 Pointer Ridge Place, Bowie, Maryland, containing approximately 40,000 square feet. We occupy 98% of this building for our main office and operate a branch of Old Line Bank from this address. Prior to this purchase, we owned 62.5% of Pointer Ridge The following table summarizes the condensed Balance Sheets and Statements of Income information for Pointer Ridge. Pointer Ridge Office Investment, LLC December 31, 2016 2015 2014 Condensed Balance Sheets Current assets $ $ $ Non-current assets Liabilities Equity Condensed Statements of Income Revenue $ $ $ Expenses Net loss $ $ $

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Premises and Equipment
Premises and Equipment	9. Premises and Equipment A summary of our premises and equipment and the related depreciation expense follows: December 31, 2016 2015 Land $ $ Building Leasehold improvements Furniture and equipment Accumulated depreciation Net premises and equipment $ $ Depreciation expense $ $

Deposits

Deposits	12 Months Ended
	Dec. 31, 2016
Deposits
Deposits	10. Deposits Major classifications of interest bearing deposits are as follows: December 31, 2016 2015 Money market and NOW $ $ Savings Time deposits that meet or exceed the FDIC insured limit Other time deposits $ $ Time deposits mature as follows: December 31, 2016 2015 Within three months $ $ Over three to twelve months Over one to three years Over three to five years $ $ Interest on deposits for the years ended December 31, 2016, 2015 and 2014, consisted of the following: December 31, 2016 2015 2014 Money market and NOW $ $ $ Savings Other time deposits $ $ $

Short Term Borrowings

Short Term Borrowings	12 Months Ended
	Dec. 31, 2016
Short Term Borrowings
Short Term Borrowings	11. Short Term Borrowings Bancshares has available an unsecured $5.0 million line of credit. The Bank has available lines of credit including overnight federal funds and reverse repurchase agreements from its correspondent banks totaling $33.5 million as of December 31, 2016. The Bank has an additional secured line of credit from the Federal Home Loan Bank of Atlanta (FHLB) of $493.8 million. Prior to allowing the Bank to borrow under the line of credit, the FHLB requires that the Bank provide collateral to support borrowings. This collateral consists primarily of our commercial real estate loans, residential real estate loans and our multi‑family loans. At December 31, 2016, we had provided $225.6 million in lendable collateral value and as outlined below have borrowed $150.0 million. We have additional available borrowing capacity of $75.6 million. We may increase this availability by pledging additional collateral. As a condition of obtaining the line of credit from the FHLB, the FHLB also requires that the Bank purchase shares of capital stock in the FHLB. Securities Sold Under Agreements to Repurchase To support the $33.4 million in repurchase agreements at December 31, 2016, we have provided collateral in the form of investment securities. At December 31, 2016, we have pledged $50.7 million in U.S. government agency securities and mortgage-backed securities to customers who require collateral for overnight repurchase agreements and deposits. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. As a result, there is no offsetting or netting of the investment securities assets with the repurchase agreement liabilities. We monitor collateral levels on a continuous basis. We may be required to provide additional collateral based on the fair value of the underlying securities in the event the collateral fair value falls below stipulated levels. We closely monitor the collateral levels to ensure adequate levels are maintained. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. We have the right to sell or re-pledge the investment securities. For government entity repurchase agreements, the collateral is held by Old Line Bank in a segregated custodial account under a tri-party agreement. The repurchase agreements totaling $33.4 million mature daily and will remain fully collateralized until the account has been closed or terminated. At December 31, 2016, the book and market values of securities pledged as collateral for repurchase agreements were $52.5 million and $50.7 million, respectively. Federal funds purchased are unsecured, overnight borrowings from other financial institutions. Short‑term borrowings from the FHLB have a remaining maturity of less than one year. Information related to short term borrowings is as follows: 2016 2015 Maximum Amount Maximum Amount Borrowed During Borrowed During Any Month End Any Month End December 31, Amount Rate Period Amount Rate Period Repurchase agreements $ % $ $ % $ FHLB daily rate advances FHLB adjustable rate advances — — FHLB fixed rate advances Total short term borrowings $ $ $ $ Average for the year Repurchase agreements $ % $ % FHLB daily rate advances FHLB adjustable rate advances FHLB fixed rate advances Total $ $

Long Term Borrowings

Long Term Borrowings	12 Months Ended
	Dec. 31, 2016
Long Term Borrowings
Long Term Borrowings	12. Long Term Borrowings The table below presents Bancshares’ long term borrowings at December 31, 2016 and 2015. The trust preferred subordinated debentures, acquired in the Regal acquisition, consists of two trusts - Trust 1 in the amount of $4.0 million (fair value adjustment of $1.6 million) maturing in 2034 and Trust 2 in the amount of $2.5 (fair value adjustment of $1.3 million) maturing in 2035. Long term borrowings include $35 million in aggregate principal amount of Bancshares’ 5.625% Fixed-to-Floating Rate Subordinated Notes due 2026 (the “Notes”). The Notes were issued pursuant to an indenture and a supplemental indenture, each dated as of August 15, 2016, between Old Line Bancshares and U.S. Bank National Association as Trustee. The Notes are unsecured subordinated obligations of Old Line Bancshares and rank equally with all other unsecured subordinated indebtedness currently outstanding or issued in the future. The Notes are subordinated in right of payment of all senior indebtedness. The fair value of the Notes is $34.0 million at December 31, 2016. Long-term borrowings at December 31, 2015 included a promissory note of Pointer Ridge, a portion of which Bancshares had guaranteed. On September 2, 2016, after acquiring a 100% interest in Pointer Ridge, we paid off the entire $5.8 million principal amount of the promissory note, which would have matured on September 5, 2016. 2016 2015 December 31, Amount Rate Amount Rate Amount outstanding at year end Senior note $ — — % $ % Subordinated Note-fixed to floating rate — — Discount on Subordinated note — Issuance cost for subordinated note — Net carrying value of subordinated debt — — Subordinated Debentures Trust 1 - Floating 90-day LIBOR plus 2.85%, due 2034 Acquisition fair value adjustment Trust 2 - Floating 90-day LIBOR plus 1.60%, due 2035 Acquisition fair value adjustment Stock on subordinated debentures Net carrying value Total $ $ Average for the year Senior note, fixed at 6.28% $ % $ % Subordinated note — — Trust preferred subordinated debentures (1) Total $ $ (1)The effective yield of the acquired subordinated debentures Principal payments on long term debt obligations are due as follows: Year Amount 2026 over 10 years $

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Related Party Transactions
Related Party Transactions	13. Related Party Transactions The Bank has entered into various transactions with firms in which owners are also members of the Board of Directors. Fees charged for these services are at similar rates charged by unrelated parties for similar work. Amounts paid to these related parties totaled $282,602, $276,618 and $275,530, during the years ended December 31, 2016, 2015 and 2014, respectively. Effective November 1, 2008, we purchased Chesapeake Custom Homes, L.L.C.’s 12.5% membership interest in Pointer Ridge for the book value of $205,000. This purchase increased Bancshares’ membership interest from 50.0% to 62.5%. A director of Bancshares and the Bank is the President and 52.0% stockholder of Lucente Enterprises, Inc. Lucente Enterprises, Inc. is the manager and majority member of Chesapeake Custom Homes, L.L.C. Lucente Enterprises retained its 12.5% membership interest in Pointer Ridge until August 19, 2016. In August 2016, Old Line Bank purchased the aggregate 37.5% minority interest in Pointer Ridge not held by Bancshares. In 2016, 2015 and 2014, the Bank paid Pointer Ridge $653,380, $897,333 and $794,453, respectively, in lease payments. The directors, executive officers and their affiliated companies maintained deposits with the Bank of $10,337,238 and $9,421,751 at December 31, 2016 and 2015, respectively. The schedule below summarizes changes in amounts of loans outstanding to directors and executive officers or their affiliated companies: December 31, 2016 2015 Balance at beginning of year $ $ Additions Repayments Balance at end of year $ $ In addition to the outstanding balances, the directors and executive officers or affiliated companies have $124,536 in unused commitments as of December 31, 2016. In the opinion of management, these transactions were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Taxes
Income Taxes	14. Income Taxes The components of income tax expense are as follows: December 31, 2016 2015 2014 Current Federal $ $ $ State Deferred Federal State $ $ $ We determine deferred tax assets and liabilities based on the difference between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which we expect the differences to reverse. We allocate tax expense and tax benefits to the Bank and Bancshares based on their proportional share of taxable income. The components of net deferred tax assets and liabilities are as follows: December 31, 2016 2015 Deferred tax assets Allowance for loan losses $ $ Non-accrual interest Impairment losses and expenses on other real estate owned Director stock options Deferred compensation plans Net operating loss carryover AMT Credit Carryover — Fair value adjustments for acquired assets and liabilities Investment impairment loss — Non-compete agreements Other Net unrealized loss on securities available for sale $ $ Deferred tax liabilities Deferred loan origination costs, net $ $ Depreciation Core deposit intangible amortization Net deferred tax asset before valuation allowance Valuation allowance for deferred tax asset Net deferred tax asset $ $ Maryland Bankcorp had net operating loss (“NOL”) carryovers of $3.54 million at the time of our business combination. We succeed to these carryovers and may take limited annual deductions allowed by the Internal Revenue Code. We will be able to deduct $779,812 every year the Bank has taxable income until the NOL is fully utilized. The amount we may deduct in any year will be reduced if we recognize a built in loss in such year or if our taxable income is lower than the statutory NOL deduction. If the NOL is not used by the limited annual deductions, any remaining amount of NOL carryforward will expire in 2030. WSB Holdings, Inc. had NOL carryovers of $12.1 million at the time of our business combination in May 2013. We succeed to these carryovers and may take limited annual deductions allowed by the Internal Revenue Code. We will be able to deduct $1,477,746 every year the Bank has taxable income until the NOL is fully utilized. The amount we may deduct in any year will be reduced if we recognize a built in loss in such year or if our taxable income is lower than the statutory NOL deduction. If the NOL is not used by the limited annual deductions, any remaining amount of NOL carryforward will expire in 2033. Regal had NOL carryovers of $8.7 million at the time of our business combination in December 2015. We succeed to these carryovers and may take limited annual deductions allowed by the Internal Revenue Service Code. We will be able to deduct $182,620 every year the Bank has taxable income until the NOL is fully utilized. The amount we may deduct in any year will be reduced if we recognize a built in loss in such year or if our taxable income is lower than the statutory NOL deduction. If the NOL is not used by the limited annual deductions, any remaining amount of NOL carryforward will expire in 2035. Additionally, the deferred tax asset was increased by $3.6 million at the time of acquisition that will be analyzed for utilization in future years. We classify interest and penalties related to income tax assessments, if any, in income tax expense in the consolidated statements of operations. Bancshares and its subsidiaries file a consolidated U.S. federal tax return and both Bancshares and the Bank file a Maryland state income tax return. These returns are subject to examination by taxing authorities for all years after 2009. We had no material uncertain tax positions at December 31, 2016 or 2015 and there was no unrecognized tax benefit as of December 31, 2016 or 2015. The following table reconciles the differences between the federal income tax rate of 34 percent and our effective tax rate: December 31, 2016 2015 2014 Statutory federal income tax rate % % % Increase (decrease) resulting from State income taxes, net of federal income tax benefit Bank owned life insurance Other tax exempt income Stock based compensation awards Other non-deductible expenses Other — Effective tax rate % % %

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2016
Employee Benefits
Employee Benefits	15. Employee Benefits Eligible employees participate in a profit sharing plan that qualifies under Section 401(k) of the Internal Revenue Code. The plan allows for elective employee deferrals and the Bank makes matching contributions of up to 4% of eligible employee compensation. Our contributions to the plan, included in employee benefit expenses, were $599,395, $506,325 and $474,028 for 2016, 2015, and 2014, respectively. The Bank also offers Supplemental Executive Retirement Plans (“SERPs”) to its executive officers providing for retirement income benefits. We accrue the present value of the SERPs over the remaining number of years to the executives’ expected retirement dates. The combined accrued liability for these plans at December 31, 2016 and 2015 was $5.6 million and $5.3 million, respectively. The Bank’s expenses for the SERPs were $649,244, $617,888 and $535,331 in 2016, 2015, and 2014, respectively. MB&T had an employee benefit plan entitled the Maryland Bankcorp, N.A. KSOP (“KSOP”). The KSOP included a profit sharing plan that qualified under section 401(k) of the Internal Revenue Code as an employee stock ownership plan. We have discontinued any future contributions to the employee stock ownership plan. At December 31, 2016, the employee stock ownership plan owned 32,949 shares of Bancshares’ stock, had $19,127 invested in Old Line Bank certificates of deposit, and $19,268 in an Old Line Bank money market account. We have transferred the MB&T KSOP assets at acquisition of MB&T on April 2, 2011 into the Bank’s 401(k) plan discussed above. Stock Options and Restricted Stock We maintain the Old Line Bancshares, Inc. 2010 Equity Incentive Plan (the “Plan”) under which we may grant, among other awards, options to purchase Bancshares’ common stock and restricted shares of common stock. The Compensation Committee of the Board of Directors administers the Plan. As the Plans outlines, the Compensation Committee approves stock option grants to directors and employees, determines the number of shares, the type of option, the option price, the term (not to exceed 10 years from the date of issuance) and the vesting period of options granted. The Compensation Committee has approved and we have granted options vesting immediately as well as over periods of two, three and five years. We recognize the compensation expense associated with these grants over their respective vesting periods. In 2013, stockholders approved an amendment to increase the number of shares issuable under the Plan by 450,000 shares. As of December 31, 2016, there were 332,161 shares remaining available for future issuance under the Plan. Shares issued upon exercise of options are issued from authorized but unissued shares. The intrinsic value of the options that directors and officers exercised for the years ended December 31, 2016, 2015 and 2014 was $830,962, $411,743 and $113,230, respectively. A summary of the status of outstanding options follows: 2016 2015 2014 Weighted Weighted Weighted average average average Number exercise Number exercise Number exercise of shares price of shares price of shares price Outstanding, beginning of year $ $ $ Options granted Options exercised Options forfeited — — — — — — Options expired — — — — — — Outstanding, end of year $ $ $ Outstanding Options Exercisable Options Number of Weighted Number of shares at average Weighted shares at Weighted December 31, remaining term average December 31, average Exercise price 2016 in years exercise price 2016 exercise price $6.30 - 10.85 $ $ $10.85 - 16.76 $16.77 - 17.75 — — $17.75 - 17.75 — — $ $ Intrinsic value of vested exercisable options where the market value exceeds the exercise price $ Intrinsic value of outstanding options where the market value exceeds the exercise price $ At December 31, 2016, there was $959,073 of total unrecognized compensation cost related to non‑vested stock options that we expect to realize over the next three years. The following table summarizes the fair values of the options granted and weighted‑average assumptions used to calculate the fair values. We used the Black‑Scholes option pricing model. Years Ended December 31, 2016 2015 2014 Expected dividends % % % Risk free interest rate % % % Expected volatility % % % Weighted average volatility % % % Expected life in years 4.68-5.72 5.50-6.00 5.50-6.00 Weighted average fair value of options granted $ $ $ During the year ended December 31, 2016, we granted 36,461 restricted common stock awards under the Plan. The following table outlines the vesting schedule of the unvested restricted stock awards. Vesting Schedule of Unvested Restricted Stock Awards December 31, 2016 # of Restricted Vesting Date Shares 2/25/2017 11,931 7/2/2017 7,132 7/8/2017 7,524 2/25/2018 3,535 7/2/2018 7,137 7/8/2018 7,531 2/24/2019 1,824 7/8/2019 7,537 Total Issued 54,151 At December 31, 2016, there is $1.1 million unrecognized compensation cost related to non‑vested restricted stock awards that we expect to realize over the next three years. A summary of the restricted stock awards during the year follows: December 31, 2016 December 31, 2015 December 31, 2014 Weighted Weighted Weighted average average average Number of grant date Number of grant date Number of grant date shares fair value shares fair value shares fair value Nonvested, beginning of period $ $ $ Restricted stock granted Restricted stock vested Restricted stock forfeited — — — — — — Nonvested, end of period $ $ $ Total fair value of shares vested $ $ $ Intrinsic value of non-vested restricted stock awards where the market value exceeds the exercise price $ $ $ Intrinsic value of vested restricted stock awards where the market value exceeds the exercise price $ $ $

Capital Standards

Capital Standards	12 Months Ended
	Dec. 31, 2016
Capital Standards
Capital Standards	16. Capital Standards The Federal Deposit Insurance Corporation and the Federal Reserve Board have adopted risk based capital standards for banking organizations. These standards require ratios of capital to assets for minimum capital adequacy and to be classified as well capitalized under prompt corrective action provisions. Under the amended prompt corrective action regulations, effective January 1, 2015, a bank is considered “well capitalized” if it: (i) has a total risk-based capital ratio of 10.0% or greater; (ii) a Tier 1 risk-based capital ratio of 8.0% or greater; (iii) a common Tier 1 equity ratio of at least 6.5% or greater; (iv) a leverage capital ratio of 5.0% or greater; and (iv) is not subject to any written agreement, order, capital directive, or prompt corrective action directive to meet and maintain a specific capital level for any capital measure. As of December 31, 2016 and 2015, the capital ratios and the capital requirements to remain adequately and well capitalized are as follows: Minimum capital To be well Actual adequacy (1) capitalized (2) December 31, 2016 Amount Ratio Amount Ratio Amount Ratio (Dollars in 000’s) Total capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to average assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Common Equity Tier 1 (to risk-weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Minimum capital To be well Actual adequacy (1) capitalized (2) December 31, 2015 Amount Ratio Amount Ratio Amount Ratio (Dollars in 000’s) Total capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to average assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Common Equity Tier 1 (to risk-weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % (1) When fully phased-in on January 1, 2019, the Basel III capital rules include a capital conservation buffer of 2.5% that is added on top of each of the minimum risk-based capital ratios noted above. Implementation began on January 1, 2016 at the 0.625% level and will increase each subsequent January 1, until it reaches 2.5% on January 1, 2019. (2) Prompt corrective action provisions are not applicable at the bank holding company level. Tier 1 capital consists of common stock, additional paid‑in capital and retained earnings. Total capital includes a limited amount of the allowance for loan losses. In calculating risk weighted assets, specified risk percentages are applied to each category of asset and off balance sheet items. Failure to meet the capital requirement could affect our ability to pay dividends and accept deposits and may significantly affect our operations. In the most recent regulatory report, we were categorized as well capitalized under the prompt corrective action regulations. Management knows of no events or conditions that should change this classification.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies
Commitments and Contingencies	17. Commitments and Contingencies The Bank is party to financial instruments with off balance sheet risk in the normal course of business in order to meet the financing needs of customers. These financial instruments include commitments to extend credit, available credit lines and standby letters of credit. December 31, 2016 2015 Commitments to extend credit and available credit lines: Commercial $ $ Construction Consumer $ $ Standby letters of credit $ $ Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed interest rates fixed at current market rates, expiration dates or other termination clauses and may require payment of a fee. Available credit lines represent the unused portion of lines of credit previously extended and available to the customer so long as there is no violation of any contractual condition. These lines generally have variable interest rates. Since many of the commitments are expected to expire without being drawn upon, and since it is unlikely that all customers will draw upon their lines of credit in full at any time, the total commitment amount or line of credit amount does not necessarily represent future cash requirements. We evaluate each customer’s credit worthiness on a case by case basis. We regularly reevaluate many of our commitments to extend credit. Because we conservatively underwrite these facilities at inception, we generally do not have to withdraw any commitments. We are not aware of any loss that we would incur by funding our commitments or lines of credit. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Our exposure to credit loss in the event of non‑performance by the customer is the contract amount of the commitment. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. We have recognized a reserve in the amount of $19,547, $22,461 and $23,449 for loans sold in the secondary market with recourse obligations as of December 31, 2016, 2015 and 2014. In addition, a reserve in the amount of $51,808, $222,729 and $195,219 has been established for the unfunded portion of loan commitments at December 31, 2016, 2015 and 2014, respectively. Both reserves are included in other liabilities. As of December 31, 2016, we leased 16 branch locations and six loan production offices from non‑related parties under lease agreements expiring through 2040. Each of the leases provides extension options. We made lease payments to Pointer Ridge in connection with our lease of our corporate headquarters and one branch location from Pointer Ridge up through the purchase date of August 19, 2016. The approximate future minimum lease commitments under the operating leases as of December 31, 2016, are presented below. We have eliminated 62.5% of lease commitments to Pointer Ridge in consolidation that was paid prior to Bank’s purchase of the remaining interest in Pointer Ridge. Year Amount (in thousands) 2017 $ 2018 2019 2020 2021 Remaining $ Rent expense was $2,056,401, $1,746,170 and $2,066,656 for the years ended December 31, 2016, 2015, and 2014, respectively. On August 25, 2006, Pointer Ridge entered into a loan agreement with an unrelated bank, in an original principal amount of $6.6 million to finance the commercial office building located at 1525 Pointer Ridge Place, Bowie, Maryland. On August 19, 2016, the Bank purchased the aggregate 37.5% minority interest in Pointer Ridge not held by Bancshares and on September 2, 2016, we paid off the entire $5.8 million principal amount of a promissory note previously issued by Pointer Ridge. We occupy approximately 95% of this building for our main office and operate a branch from this address.

Fair Value Measurement

Fair Value Measurement	12 Months Ended
	Dec. 31, 2016
Fair Value Measurement
Fair Value Measurement	18. Fair Value Measurement The fair value of an asset or liability is the price that participants would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability, or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. The fair value hierarchy established by accounting standards defines three input levels for fair value measurement. The applicable standard describes three levels of inputs that may be used to measure fair value: Level 1 is based on quoted market prices in active markets for identical assets. Level 2 is based on significant observable inputs other than Level 1 prices. Level 3 is based on significant unobservable inputs that reflect a company’s own assumptions about the assumption that market participants would use in pricing an asset or liability. We evaluate fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. For the years ended December 31, 2016 and 2015, there were no transfers between levels. At December 31, 2016, Bancshares holds, as part of its investment portfolio, available for sale securities reported at fair value consisting of municipal securities, U.S. government sponsored entities, corporate bonds and mortgage‑backed securities. The fair value of the majority of these securities is determined using widely accepted valuation techniques including matrix pricing and broker‑quote based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items. These are inputs used by a third‑party pricing service used by us. To validate the appropriateness of the valuations provided by the third party, we regularly update the understanding of the inputs used and compare valuations to an additional third party source. We classify all our investment securities available for sale in Level 2 of the fair value hierarchy, with the exception of treasury securities, which fall into Level 1, and our corporate bonds, which fall into Level 3. Assets and Liabilities Measured at Fair Value on a Recurring Basis At December 31, 2016 (In thousands) Quoted Prices in Other Significant Total Changes Active Markets for Observable Unobservable in Fair Values Identical Assets Inputs Inputs Included in Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings Available-for-sale: Treasury securities $ $ $ — $ — $ — U.S. government agency — — — Corporate Bonds — Municipal securities — — — FHLMC MBS — — — FNMA MBS — — — GNMA MBS — — — Total recurring assets at fair value $ $ $ $ $ — At December 31, 2015 (In thousands) Quoted Prices in Other Significant Total Changes Active Markets for Observable Unobservable in Fair Values Identical Assets Inputs Inputs Included in Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings Available-for-sale: Treasury securities $ $ $ — $ — $ — U.S. government agency — — — Municipal securities — — — FHLMC MBS — — — FNMA MBS — — — GNMA MBS — — — SBA loan pools — — — Total recurring assets at fair value $ $ $ $ — $ — Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes our methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Furthermore, we have not comprehensively revalued the fair value amounts since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the above-presented amounts. The following table provides a reconciliation of changes in fair value included in assets measured in the Consolidated Balance sheet using inputs classified as level 3 in the fair value for the period indicated: Level 3 (in thousands) Year Ended December 31, 2016 Investment available-for-sale Balance as of January 1, 2016 $ — Realized and unrealized gains (losses) Included in earnings — Included in other comprehensive income Purchases, issuances, sales and settlements Transfers into or out of level 3 — Balance at December 31, 2016 $ Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis We may be required from time to time, to measure certain assets at fair value on a non‑recurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis are included in the table below. At December 31, 2016 (In thousands) Quoted Prices in Other Significant Active Markets for Observable Unobservable Identical Assets Inputs Inputs Carrying Value (Level 1) (Level 2) (Level 3) Impaired Loans Legacy: $ — — $ Acquired: — — Total Impaired Loans — — Other real estate owned: Legacy: $ — — $ Acquired: — — Total other real estate owned: — — Total $ $ — $ — $ At December 31, 2015 (In thousands) Quoted Prices in Other Significant Active Markets for Observable Unobservable Identical Assets Inputs Inputs Carrying Value (Level 1) (Level 2) (Level 3) Impaired Loans Legacy $ — — $ Acquired — — Total Impaired Loans — — Other real estate owned: Legacy $ — — $ Acquired — — Total other real estate owned: — — Total $ $ — $ — $ Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are subject to nonrecurring fair value adjustments to reflect write‑downs that are based on the market price or current appraised value of the collateral, adjusted to reflect local market conditions or other economic factors. After evaluating the underlying collateral, the fair value of the impaired loans is determined by allocating specific reserves from the allowance for loan losses to the loans. Thus, the fair value reflects the loan balance as adjusted by partial charge‑offs less the specifically allocated reserve. Certain collateral‑dependent impaired loans are reported at the fair value of the underlying collateral. Impairment is measured based on the fair value of the collateral, which is typically derived from appraisals that take into consideration prices in observed transactions involving similar assets and similar locations. Discounts applied to appraisals have been in the range of 0% to 50%. Each appraisal is updated on an annual basis, either through a new appraisal or through our internal review process. Appraised values are reviewed and monitored internally and fair value is re‑assessed at least quarterly or more frequently when circumstances occur that indicate a change in fair value. The fair value of impaired loans that are not collateral dependent is measured using a discounted cash flow analysis considered to be a Level 3 input. The fair value of other real estate owned (“OREO”) is based on property appraisals adjusted at management’s discretion to reflect a further decline in the fair value of properties since the time the appraisal analysis was performed. Discounts applied to appraisals have predominantly been in the range of 0% to 50%; however, in certain cases have ranged up to 75% which include estimated costs to sell or other reductions based on market expectations or an executed sales contract. Appraised values are reviewed and monitored internally and fair value is re‑assessed at least quarterly or more frequently when circumstances occur that indicate a change in fair value. Therefore, the inputs used to determine the fair value of OREO and repossessed assets fall within Level 3. We may include within OREO other repossessed assets received as partial satisfaction of a loan. These assets are not material and do not typically have readily determinable market values and are considered Level 3 inputs. As a result of the acquisition of Maryland Bankcorp, WSB Holdings and Regal, we have segmented the other real estate owned into two components, real estate obtained as a result of loans originated by the Bank (legacy) and other real estate acquired from MB&T, WSB and Regal Bank or obtained as a result of loans originated by MB&T, WSB, and Regal Bank (acquired). The increase in level 3 is due to an increase in our legacy non‑accrual loans, and acquired other real estate owned. The following methods and assumptions were used to estimate the fair value for each class of our financial instruments. Cash and Cash Equivalents —For cash and cash equivalents, the carrying amount is a reasonable estimate of fair value because of the short maturities of these instruments. Loans —We estimate the fair value of loans, segregated by type based on similar financial characteristics, segregated by type based on similar financial characteristics, by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories. We then adjust this calculated amount for any credit impairment. Loans held for Sale —Loans held for sale are carried at the lower of cost or market value. The fair values of loans held for sale are based on commitments on hand from investors within the secondary market for loans with similar characteristics. Investment Securities —We base the fair values of investment securities upon quoted market prices or dealer quotes. Equity Securities —Equity securities are considered restricted stock and are carried at cost which approximates fair value. Bank Owned Life Insurance —The carrying amount of Bank Owned Life Insurance (“BOLI”) purchased on a group of officers is a reasonable estimate of fair value. BOLI is an insurance product that provides an effective way to offset current employee benefit costs. Accrued Interest Receivable and Payable —The carrying amount of accrued interest and dividends receivable on loans and investments and payable on borrowings and deposits approximate their fair values. Interest bearing deposits —The fair value of demand deposits and savings accounts is the amount payable on demand. We estimate the fair value of fixed maturity certificates of deposit using the rates currently offered for deposits of similar remaining maturities. Non‑Interest bearing deposits —The fair value of non‑interest bearing accounts is the amount payable on demand at the reporting date. Long and short term borrowings —The fair value of long and short term fixed rate borrowings is estimated by discounting the value of contractual cash flows using rates currently offered for advances with similar terms and remaining maturities. Off‑balance Sheet Commitments and Contingencies —Carrying amounts are reasonable estimates of the fair values for such financial instruments. Carrying amounts include unamortized fee income and, in some cases, reserves for any credit losses from those financial instruments. These amounts are not material to our financial position. The following disclosures of the estimated fair value of financial instruments are made in accordance with the requirements of ASC 825, “Disclosures about Fair Value of Financial Instruments”. We have determined the fair value amounts by using available market information and appropriate valuation methodologies. However, considerable judgment is required in interpreting market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts we could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. December 31, 2016 (In thousands) Quoted Prices Significant Significant Total in Active Other Other Carrying Estimated Markets for Observable Unobservable Amount Fair Identical Assets Inputs Inputs (000’s) Value (Level 1) (Level 2) (Level 3) Assets: Cash and cash equivalents $ $ $ $ — $ — Loans receivable, net — — Loans held for sale — — Investment securities available for sale Equity Securities at cost — — Bank Owned Life Insurance — — Accrued interest receivable — Liabilities: Deposits: Non-interest-bearing — — Interest bearing — — Short term borrowings — — Long term borrowings — — Accrued Interest payable — — December 31, 2015 (In thousands) Quoted Prices Significant Significant Total in Active Other Other Carrying Estimated Markets for Observable Unobservable Amount Fair Identical Assets Inputs Inputs (000’s) Value (Level 1) (Level 2) (Level 3) Assets: Cash and cash equivalents $ $ $ $ — $ — Loans receivable, net — — Loans held for sale — — Investment securities available for sale — Equity Securities at cost — — Bank Owned Life Insurance — — Accrued interest receivable — Liabilities: Deposits: Non-interest-bearing — — Interest bearing — — Short term borrowings — — Long term borrowings — — Accrued Interest payable — —

Other Operating Expenses

Other Operating Expenses	12 Months Ended
	Dec. 31, 2016
Other Operating Expenses
Other Operating Expenses	19. Other Operating Expenses Other operating expenses that are significant are as follows: December 31, 2016 2015 2014 Legal Expenses $ $ $ Pointer Ridge other operating Professional Fees Audit and Exam Other Total $ $ $

Parent Company-Condensed Financ

Parent Company-Condensed Financial Information	12 Months Ended
	Dec. 31, 2016
Parent Company-Condensed Financial Information
Parent Company-Condensed Financial Information	20. Parent Company—Condensed Financial Information The condensed balance sheets, statements of income, and statements of cash flows for Bancshares (Parent Company) follow: Old Line Bancshares, Inc. Condensed Balance Sheets December 31, 2016 2015 Assets Cash and due from banks $ $ Investment in Real Estate LLC Investment in MD Statutory Trust Investment in Old Line Bank Federal income tax receivable Other assets $ $ Liabilities and Stockholders’ Equity Accounts payable $ $ Trust preferred Subordinated debt — Stockholders’ equity Common stock Additional paid-in capital Retained earnings Accumulated other comprehensive income (loss) $ $ Old Line Bancshares, Inc. Condensed Statements of Income Years Ended December 31, 2016 2015 2014 Interest and dividend income (expense) Dividend from Old Line Bank $ $ $ Interest income on money market and certificates of deposit — Interest expense on trust preferred and subordinated debt — — Interest expense on loans — Net interest and dividend income Non-interest income (loss) Non-interest expense Income before income taxes Income tax expense (benefit) Undistributed net income of Old Line Bank Net income $ $ $ Old Line Bancshares, Inc. Statements of Cash Flows Years Ended December 31, 2016 2015 2014 Cash flows from operating activities Net income $ $ $ Adjustments to reconcile net income to net cash provided by operating activities Undistributed net income of Old Line Bank Stock based compensation awards (Income) loss from investment in real estate Pointer Ridge LLC (Increase) decrease in income tax receivable — — Increase (decrease) in other liabilities Decrease (increase) in other assets $ $ $ Cash flows from investing activities Cash and cash equivalents of acquired company — — Purchase Pointer Ridge LLC — — Net cash to bank — — — Cash flows from financing activities Proceeds from stock options exercised, including tax benefit Proceeds from issuance of common stock — — Acquisition cash consideration — — Subordinated debt issued — — Purchase of minority member(s) interest — — Cash dividends paid-common stock Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year $ $ $

Litigation

Litigation	12 Months Ended
	Dec. 31, 2016
Litigation
Litigation	21. Litigation From time to time we may be involved in ordinary routine litigation incidental to our business. We are not, however, involved in any legal proceedings the outcome of which, in management’s opinion, would be material to our financial condition.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2016
Subsequent Events [Abstract]
Subsequent Event	22 . Subsequent Events On February 1, 2017, Old Line Bancshares entered into an Agreement and Plan of Merger with DCB, the parent company of Damascus Community Bank. Pursuant to the terms of the Agreement and Plan of Merger, upon the consummation of the merger, all outstanding shares of DCB common stock will be exchanged for shares of common stock of Old Line Bancshares. Consummation of the merger is contingent upon the approval of DCB’s stockholders as well as receipt of all necessary regulatory and third party approvals and consents. We expect the merger to close during the second quarter of 2017. At December 31, 2016, DCB Bancshares has consolidated assets of approximately $311 million. DCB has six banking locations located in its primary market areas of Montgomery, Frederick and Carroll Counties.

Summary of Significant Accoun32

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Summary of Significant Accounting Policies
Basis of Presentation and Consolidation	Basis of Presentation and Consolidation —The accompanying consolidated financial statements include the activity of Bancshares, its wholly owned subsidiary, Old Line Bank, and their wholly owned subsidiary Pointer Ridge Office Investment, LLC (“Pointer Ridge”). We have eliminated all significant intercompany transactions and balances. For 2015, we reported the non‑controlling interests in Pointer Ridge separately in the consolidated balance sheets. We report the income of Pointer Ridge attributable to Bancshares from the date of Bancshares’ acquisition of majority interest on the consolidated statements of income.
Use of estimates	Use of Estimates —The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. These estimates and assumptions may affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.
Cash and cash equivalents	Cash and Cash Equivalents —For purposes of the Consolidated Statements of Cash Flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits and federal funds sold. Generally, we purchase and sell federal funds for one day periods.
Investment securities	Investment Securities —As we purchase securities, management determines if we should classify the securities as held to maturity, available for sale or trading. We record the securities that management has the intent and ability to hold to maturity at amortized cost which is cost adjusted for amortization of premiums and accretion of discounts to maturity. We classify securities that we may sell before maturity as available for sale and carry these securities at fair value with unrealized gains and losses included in stockholders’ equity on an after tax basis. Management has not identified any investment securities as trading. We record gains and losses on the sale of securities on the trade date and determine these gains or losses using the specific identification method. We amortize premiums and accrete discounts using the interest method. Management systematically evaluates investment securities for other‑ than‑temporary declines in fair value on a quarterly basis. This analysis requires management to consider various factors, which include (1) duration and magnitude of the decline in value, (2) the financial condition of the issuer or issuers and (3) the structure of the security. A decline in the market value of any available for sale security below cost that is deemed other‑than‑temporary results in a charge to earnings and establishment of a new cost basis for that security.
Stock based compensation awards	Stock Based Compensation Awards —The cost of employee services received in exchange for equity instruments, including stock options and restricted stock awards, is generally measured at fair value on the grant date. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of Bancshares’ common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards and as the restriction period for restricted stock awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Equity Securities	Equity Securities —Equity securities include stock from Federal Home Loan Bank, Atlantic Central Bankers Bank and Maryland Financial Bank, which are carried at cost that approximates fair value.
Premises and equipment	Premises and Equipment —We record premises and equipment at cost less accumulated depreciation. Generally, we compute depreciation using the straight line method over the estimated useful life of the assets. Estimated useful life for our buildings is five to 50 years. Estimated useful life for our leasehold improvements is three to 30 years. Estimated useful life for our furniture and equipment is three to 23 years.
Other real estate owned	Other Real Estate Owned —Other real estate owned consists of properties obtained through foreclosure proceedings or acceptance of a deed in lieu of foreclosure, and is reported on an individual asset basis at net realizable value. Net realizable value equals fair value and is determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources less estimated selling costs. While initial fair value is determined by independent third parties, management may subsequently reassess these valuations and apply additional discounts if necessary. When properties are acquired through foreclosure, any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is recognized and charged to the allowance for loan losses. Subsequent write‑downs are charged to a separate allowance for losses pertaining to real estate owned, established through provisions for estimated losses on other real estate owned charged to operations. Based upon management’s evaluation of the real estate acquired through foreclosure, additional expense is recorded when necessary in an amount sufficient to reflect any estimated declines in fair value. Gains and losses recognized on the disposition of the properties are also recorded in non‑interest expense in the consolidated statements of income. Costs of improvements to real estate are capitalized, while costs associated with holding the real estate are charged to operations.
Mortgage Banking Activities	Mortgage Banking Activities —As part of normal business operations, we originate residential mortgage loans that have been pre‑approved by secondary investors. The terms of the loans are set by the secondary investors, and the purchase price that the investor will pay for the loan is agreed to prior to the commitment of the loan. Generally, within three weeks after funding, the loans are transferred to the investor in accordance with the agreed‑upon terms. At the date the loans are transferred to the investor, the servicing is released. On the settlement date of these loans, we record the gains from the sale of these loans equal to the difference between the proceeds to be received and the carrying amount of the loan.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets —Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed related to the acquisitions of Maryland Bankcorp, Inc., WSB Holdings, Inc. and Regal Bancorp, Inc. Core deposit intangibles represent the estimated value of long‑term deposit relationships acquired in these transactions. The core deposit intangible is being amortized over 18 years for Maryland Bankcorp, Inc., ten years for WSB Holdings, Inc., and eight years for Regal Bancorp, Inc. and the estimated useful lives are periodically reviewed for reasonableness. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset’s fair value. The goodwill impairment analysis is a two‑step test . The first step, used to identify potential impairment, comparing the reporting unit’s estimated fair value to its carrying value, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying value, goodwill assigned to that reporting unit is considered not to be impaired. If the carrying value exceeds estimated fair value, there is an indication of potential impairment and the second step is performed to measure the amount of impairment of goodwill assigned to that reporting unit. If required, the second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated impairment. The implied fair value of goodwill is determined in a manner similar to the amount of goodwill calculated in a business combination, by measuring the excess of the estimated fair value of the reporting unit, as determined in the first step, over the aggregate estimated fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss cannot exceed the carrying value of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. We have determined that Bancshares has one reporting unit. We evaluated the carrying value of goodwill as of September 30, 2016, our annual test date, and determined that no impairment charge was necessary. Additionally, should Bancshares’ future earnings and cash flows decline and/or discount rates increase, an impairment charge to goodwill and other intangible assets may be required. There have been no events subsequent to the September 30, 2016 evaluation that caused us to perform an interim review of the carrying value of goodwill.
Business Combinations	Business Combinations —Accounting principles generally accepted in the United States (U.S. GAAP) requires that the acquisition method of accounting be used for all business combinations and that an acquirer be identified for each business combination. Under U.S. GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. U.S. GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any non‑controlling interest in the acquiree at the acquisition date.
Loans and interest income	Loans and Interest Income —We report loans at face value plus deferred origination costs, less deferred origination fees and the allowance for loan losses. We accrue interest on loans based on the principal amounts outstanding. We amortize origination fees and costs to income over the terms of the loans using an approximate interest method. We discontinue the accrual of interest when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. Based on current information, we consider loans impaired when management determines that it is unlikely that the borrower will make principal and interest payments according to contractual terms. Generally, we do not review loans for impairment until we have discontinued the accrual of interest. We consider several factors in determining impairment including payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Generally, we do not classify loans that experience insignificant payment delays and payment shortfalls as impaired. Management determines the significance of payment delays and payment shortfalls on a case by case basis. We consider all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. We measure impairment on a loan by loan basis for commercial and real estate loans by determining either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. If it is doubtful that we will collect principal, we apply all payments to principal. We collectively evaluate large groups of smaller balance homogeneous loans for impairment. Accordingly, we do not separately identify individual consumer and residential loans for impairment unless such loans are the subject of a restructuring agreement or the borrower has filed bankruptcy.
Acquired loans	Acquired Loans —These loans are recorded at fair value at the date of acquisition, and accordingly no allowance for loan losses is transferred to the acquiring entity in connection with purchase accounting. The fair values of loans with evidence of credit deterioration (purchased, credit‑impaired loans) are initially recorded at fair value, but thereafter accounted for differently than purchased, non‑credit‑impaired loans. For purchased, credit‑impaired loans, the excess of all cash flows estimated to be collectable at the date of acquisition over the purchase price of the purchase credit‑impaired loan is recognized as interest income, using a level‑yield basis over the life of the loan. This amount is referred to as the accretable yield. The purchased credit‑impaired loan’s contractually‑required payments receivable estimated to be in excess of the amount of its future cash flows expected at the date of acquisition is referred to as the non‑accretable difference, and is not reflected as an adjustment to the yield, in the form of a loss accrual or a valuation allowance. Subsequent to the acquisition date, management continues to monitor cash flows on a quarterly basis, to determine the performance of each purchased, credit‑impaired loan in comparison to management’s initial performance expectations. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions or a reclassification of amount from non‑accretable difference to accretable yield, with a positive impact on the accretion of interest income in future periods. Acquired performing loans are accounted for using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Acquired performing loans are recorded as of the purchase date at fair value. Credit losses on the acquired performing loans are estimated based on analysis of the performing portfolio. A provision for loan losses is recognized for any further credit deterioration that occurs in these loans subsequent to the acquisition date.
Loans Held-for-Sale	Loans Held‑for‑Sale —The loans classified in the held‑for‑sale portfolio consists of loans that have been committed to be purchased by investors in the secondary market at December 31, 2016 and will be settled subsequent to that date and reported at lower of cost.
Allowance for Loan Losses	Allowance for Loan Losses —The allowance for loan losses represent an amount that, in management’s judgment, will be adequate to absorb probable losses on existing loans and other extensions of credit that may become uncollectible. Management bases its judgment in determining the adequacy of the allowance on evaluations of the collectability of loans. Management takes into consideration such factors as changes in the nature and volume of the loan portfolio, current economic conditions that may affect the borrowers’ ability to pay, overall portfolio quality, and review of specific problem areas. If the current economy or real estate market continues to suffer a severe downturn, we may need to increase the estimate for uncollectible accounts. We charge off loans that we deem uncollectible and deduct them from the allowance. We add recoveries on loans previously charged off to the allowance. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation. Within each of the above loan types, each portfolio is sorted by the risk assessment rating of each loan as Pass, Pass‑Watch, Special Mention or Substandard. The Bank’s loss experience (Loss Factor) is progressively tiered by risk category for Pass, Pass‑Watch, Special Mention and Substandard loans by applying a higher loss factor to higher risk rated categories. Loans rated “Doubtful” or “Loss” are, by definition, impaired and will be specifically reserved based upon Bank management’s best estimate of the loss exposure for each loan. The Bank’s loss experience for each of the last 12 quarters is aggregated and that total is used to create a percentage of the loan portfolio as it existed at the beginning of the 12 quarter “look back.” We collectively evaluate large groups of smaller balance homogeneous loans for impairment. Accordingly, we do not separately identify individual consumer and residential loans for impairment unless such loans are the subject of a restructuring agreement or the borrower has filed bankruptcy. Qualitative factors include: levels and trends in delinquencies and non‑accruals; trends in volumes and terms of loans; effects of any changes in lending policies; the experience, ability and depth of management; regional and local economic trends and conditions; Peer Group loan loss history; concentrations of credit; quality of the bank’s loan review system; external factors, such as competition, legal and regulatory requirements; and, management’s collective assessment of the appropriateness of the allowance for loan losses in light of recent trends, events, political impact and other considerations.
Advertising	Advertising —We expense advertising costs over the life of ad campaigns. We expense general purpose advertising as we incur it.
Income taxes	Income Taxes —The provision for income taxes includes taxes payable for the current year and deferred income taxes. We determine deferred tax assets and liabilities based on the difference between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which we expect the differences to reverse. If needed, we use a valuation allowance to reduce the deferred tax assets to the amount we expect to realize. We allocate tax expense and tax benefits to Bancshares and its subsidiaries based on their proportional share of taxable income.
Earnings per share	Earnings Per Share —We determine basic earnings per common share by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding giving retroactive effect to stock dividends. We calculate diluted earnings per common share by including the average dilutive common stock equivalents outstanding during the period. Dilutive common equivalent shares consist of stock options and warrants, calculated using the treasury stock method. Years Ended December 31, 2016 2015 2014 Net Income $ $ $ Denominator: Weighted average common shares outstanding Effect of Diluted Shares Diluted shares Net income per share: Basic $ $ $ Diluted $ $ $
Comprehensive income	Comprehensive Income —Comprehensive income includes net income attributable to Bancshares and the unrealized gain (loss) on investment securities available for sale net of related income taxes. The line item affected in the consolidated statements of income by the re‑classified amounts is gain on sales or calls of investment securities.
Reclassifications	Reclassifications —We have made certain reclassifications to the 2015 and 2014 financial presentation to conform to the 2016 presentation. Such reclassifications had no effect on previously reported cash flows, stockholders’ equity or net income.
Recent Accounting Pronouncements	Recent Accounting Pronouncements — In May 2014, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2014-09 – Revenue from Contracts with Customers , which will supersede nearly all existing revenue recognition guidance under U.S. GAAP. The core principal of this ASU is that an entity should recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This ASU will be effective for us in our first quarter of 2018. Early adoption is not permitted. The ASU allows for either full retrospective or modified retrospective adoption. We are evaluating the transition method that will be elected and the potential effects of the adoption of this ASU on our financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805) : Simplifying the Accounting for Measurement-Period Adjustments. The amendments in ASU No. 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The adoption of ASU 2015-16 did not have a material impact on our consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Recognition and Measurement of Financial Assets and Liabilities , which is intended to improve the recognition and measurement of financial instruments by: requiring equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; requiring public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; requiring separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as “own credit”) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision. Bancshares is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . The FASB issued this ASU to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet by lessees for those leases classified as operating leases under current U.S. GAAP and disclosing key information about leasing arrangements. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018. Early application of this ASU is permitted for all entities. Bancshares is currently assessing the impact that the adoption of this standard will have on its financial condition and results of operations. In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting (“ASU 2016-09”), which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. ASU 2016-09 is effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. Early application is permitted. Bancshares is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. In June 2016 , the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which sets forth a “current expected credit loss” ("CECL") model requiring Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Bancshares is currently assessing the impact of the adoption of this ASU on its consolidated financial statements. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments, to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments provide guidance on the following nine specific cash flow issues: 1) debt prepayment or debt extinguishment costs; 2) settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing; 3) contingent consideration payments made after a business combination; 4) proceeds from the settlement of insurance claims; 5) proceeds from the settlement of corporate-owned life insurance policies, including bank-owned; 6) life insurance policies; 7) distributions received from equity method investees; 8) beneficial interests in securitization transactions; and 9) separately identifiable cash flows and application of the predominance principle. The amendments are effective for public companies for fiscal years beginning after December 31, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. Bancshares is currently evaluating the impact of adopting these amendments on its consolidated financial statements.

Summary of Significant Accoun33

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2016
Summary of Significant Accounting Policies
Schedule of earnings per share	Years Ended December 31, 2016 2015 2014 Net Income $ $ $ Denominator: Weighted average common shares outstanding Effect of Diluted Shares Diluted shares Net income per share: Basic $ $ $ Diluted $ $ $

Acquisition of Regal Bancorp 34

Acquisition of Regal Bancorp Inc (Tables)	12 Months Ended
	Dec. 31, 2016
Regal Acquisition
Schedule of purchased assets, assumed liabilities and identifiable intangible assets recorded at acquisition date fair value	Purchase Price Consideration Cash consideration $ Purchase price assigned to shares exchanged for stock Total purchase price for Regal acquisition Fair Value of Assets Acquired Cash and due from banks $ Investment securities available for sale Loans, net of deferred fees and costs Premises and equipment Accrued interest receivable Deferred income taxes Bank owned life insurance Other real estate owned Core deposit intangible Other assets Total assets acquired $ Fair Value of Liabilities assumed Deposits $ Long term borrowings Trust preferred subordinated debentures Other liabilities Total liabilities assumed $ Fair Value of net assets acquired Total Purchase Price Goodwill recorded for Regal $
Schedule of expenses incurred in conjunction with the merger	Years ended December 31, 2016 2015 Data processing $ $ Salaries — Advisory & legal fees Other $ $

Goodwill and Other Intangible35

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2016
Goodwill and Other Intangible Assets
Summary of changes in the carrying amounts of goodwill as well as the gross carrying amounts and accumulated amortization of core deposit intangibles	December 31, 2016 2015 Goodwill: Carrying amount at beginning of year $ $ Goodwill from Regal acquisition — Carrying amount at end of year $ $ Core deposit intangible: Core deposit intangible $ $ Acquired during the year — Less accumulated amortization Carrying amount at end of year $ $
Schedule of future amortization expense of core deposit premium	Core Deposit Years ended December 31, Premium 2017 2018 2019 2020 2021 Thereafter Total $

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Investment Securities
Summary of the amortized cost and estimated fair value of securities	Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value December 31, 2016 Available for sale U. S. treasury $ $ $ $ U.S. government agency — Corporate bonds Municipal securities (3,587,676) Mortgage backed securities: FHLMC certificates FNMA certificates — GNMA certificates $ $ $ $ December 31, 2015 Available for sale U. S. treasury $ $ $ $ U.S. government agency Municipal securities Mortgage backed securities FHLMC certificates FNMA certificates GNMA certificates SBA loan pools — $ $ $ $
Schedule of securities with unrealized losses segregated by length of impairment	December 31, 2016 Less than 12 months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized value losses value losses value losses U. S. treasury $ $ $ — $ — $ $ U.S. government agency — — Corporate bonds — — Municipal securities — — Mortgage backed securities FHLMC certificates — — FNMA certificates — — GNMA certificates $ $ $ $ $ $ December 31, 2015 Less than 12 months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized value losses value losses value losses U. S. treasury $ $ $ — $ — $ $ U.S. government agency Municipal securities Mortgage backed securities FHLMC certificates — — FNMA certificates GNMA certificates SBA loan pools — — $ $ $ $ $ $
Schedule of contractual maturities and pledged securities	2016 2015 Amortized Fair Amortized Fair December 31, cost value cost value Maturing Within one year $ $ $ $ Over one to five years Over five to ten years Over ten years $ $ $ $ Pledged securities $ $ $ $

Loans and Allowance for Loan 37

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2016
Loans and Allowance for Loan Losses
Summary of major classifications of loans held for investment	December 31, 2016 December 31, 2015 Legacy(1) Acquired Total Legacy(1) Acquired Total Commercial Real Estate Owner Occupied $ $ $ $ $ $ Investment Hospitality Land and A&D Residential Real Estate First Lien—Investment First Lien—Owner Occupied Residential Land and A&D HELOC and Jr. Liens Commercial and Industrial Consumer Allowance for loan losses Deferred loan costs, net — — $ $ $ $ $ $
Summary of aging analysis of the loan held for investment portfolio	The table below presents an aging analysis of the loan held for investment portfolio at December 31, 2016 and 2015. Age Analysis of Past Due Loans December 31, 2016 December 31, 2015 Legacy Acquired Total Legacy Acquired Total Current $ $ $ $ $ $ Accruing past due loans: 30 - 89 days past due Commercial Real Estate: Owner Occupied — — Investment — — — — Land and A&D — — — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied — HELOC and Jr. Liens — — — — Commercial — Consumer — — — — Total 30 - 89 days past due 90 or more days past due Commercial Real Estate: Owner Occupied — — — — Land and A&D — — — — Residential Real Estate: First Lien-Owner Occupied — — — — Consumer — — Total 90 or more days past due — Total accruing past due loans Recorded Investment Non-accruing loans: Commercial Real Estate: Owner Occupied — — Investment — — — — Hospitality — — — — Land and A&D — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied — — Commercial — — Non-accruing past due loans: Total Loans $ $ $ $ $ $
Summary of impaired loans	Impaired Loans Twelve months ended December 31, 2016 Unpaid Average Interest Principal Recorded Related Recorded Income Balance Investment Allowance Investment Recognized Legacy With no related allowance recorded: Commercial Real Estate: Owner Occupied $ $ $ — $ $ Investment — Residential Real Estate: First Lien-Owner Occupied — Commercial — With an allowance recorded: Commercial Real Estate: Owner Occupied Investment Hospitality Land and A&D Residential Real Estate: First Lien-Owner Occupied Commercial Total legacy impaired Acquired(1) With no related allowance recorded: Commercial Real Estate: Land and A&D — Residential Real Estate: First Lien-Owner Occupied — First Lien-Investment — Land and A&D — — With an allowance recorded: Commercial Real Estate: Land and A&D Commercial Total acquired impaired Total impaired $ $ $ $ $ (1) Generally accepted accounting principles require that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are not performing according to their contractual terms and meet the definition of an impaired loan. Although we do not accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans. The table below presents our impaired loans at December 31, 2015. Impaired Loans Twelve months ended December 31, 2015 Unpaid Average Interest Principal Recorded Related Recorded Income Balance Investment Allowance Investment Recognized Legacy With no related allowance recorded: Commercial Real Estate: Owner Occupied $ $ $ — $ $ Investment — Residential Real Estate: First Lien-Investment — — Commercial — — With an allowance recorded: Commercial Real Estate: Owner Occupied — Commercial Total legacy impaired Acquired(1) With no related allowance recorded: Residential Real Estate: — — First Lien-Owner Occupied First Lien-Investment — With an allowance recorded: First Lien-Owner Occupied — Total acquired impaired Total impaired $ $ $ $ $ (1)
Summary of information related to loans modified in a TDR	Loans Modified as a TDR for the twelve months ended December 31, 2016 December 31, 2015 Pre- Post Pre- Post Modification Modification Modification Modification Outstanding Outstanding Outstanding Outstanding Troubled Debt Restructurings— # of Recorded Recorded # of Recorded Recorded (Dollars in thousands) Contracts Investment Investment Contracts Investment Investment Acquired Commercial Real Estate — — — — — — Residential Real Estate Non-Owner Occupied Residential Real Estate Owner Occupied — — — Total Troubled Debt Restructurings $ $ $ $
Schedule of the outstanding balances and related carrying amounts of acquired impaired loans	December 31, 2016 2015 Balance at beginning of period $ $ Additions due to Regal acquisition — Accretion of fair value discounts Reclassification from non-accretable (1) Balance at end of period $ $ Contractually Required Payments Carrying Receivable Amount At December 31, 2016 $ $ At December 31, 2015 (1) Represents amounts paid in full on loans, payments on loans with zero balances and an increase in cash flows expected to be collected.
Schedule of allocation of allowance for loan losses by risk rating	Account Balance December 31, 2016 Legacy Acquired Total Risk Rating Pass(1 - 5) Commercial Real Estate: Owner Occupied $ $ $ Investment Hospitality Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens Commercial Consumer Special Mention(6) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens — — — Commercial Consumer — — — Substandard(7) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens — — — Commercial Consumer — — — Doubtful(8) — — — Loss(9) — — — Total $ $ $ Account Balance December 31, 2015 Legacy Acquired Total Risk Rating Pass(1 - 5) Commercial Real Estate: Owner Occupied $ $ $ Investment Hospitality Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens Commercial Consumer Special Mention(6) Commercial Real Estate: Owner Occupied Investment Hospitality — Land and A&D Residential Real Estate: First Lien-Investment First Lien-Owner Occupied Land and A&D HELOC and Jr. Liens — Commercial Consumer — — — Substandard(7) Commercial Real Estate: Owner Occupied Investment Hospitality — — — Land and A&D — Residential Real Estate: First Lien-Investment First Lien-Owner Occupied — Land and A&D — HELOC and Jr. Liens — — — Commercial Consumer — — — Doubtful(8) — — — Loss(9) — — — Total $ $ $
Summary of activity in the allowance for loan losses by portfolio segment	Commercial Residential December 31, 2016 Commercial Real Estate Real Estate Consumer Total Beginning balance $ $ $ $ $ Provision for loan losses Recoveries — Loans charged off — Ending Balance $ $ $ $ $ Amount allocated to: Legacy Loans: Individually evaluated for impairment $ $ $ $ — $ Other loans not individually evaluated Acquired Loans: Individually evaluated for impairment — — Ending balance $ $ $ $ $ Commercial Residential December 31, 2015 Commercial Real Estate Real Estate Consumer Total Beginning balance $ $ $ $ $ Provision for loan losses Recoveries Loans charged off — Ending Balance $ $ $ $ $ Amount allocated to: Legacy Loans: Individually evaluated for impairment $ $ $ — $ — $ Other loans not individually evaluated Acquired Loans: Individually evaluated for impairment — — — Ending balance $ $ $ $ $
Summary of recorded investment in loans related to each balance in the allowance for probable loan losses by portfolio segment and disaggregated on the basis of impairment methodology	Commercial Residential December 31, 2016 Commercial Real Estate Real Estate Consumer Total Legacy loans: Individually evaluated for impairment with specific reserve $ $ $ $ — $ Individually evaluated for impairment without specific reserve — Other loans not individually evaluated Acquired loans: Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) — — Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) — — Individually evaluated for impairment with specific reserve (ASC 310-30 at acquisition) — — Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) Ending balance $ $ $ $ $ Commercial Residential December 31, 2015 Commercial Real Estate Real Estate Consumer Total Legacy loans: Individually evaluated for impairment with specific reserve $ $ $ — $ — $ Individually evaluated for impairment without specific reserve — Other loans not individually evaluated Acquired loans: Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) — — — Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) — — Individually evaluated for impairment with specific reserve (ASC 310-30 at acquisition) — — Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) Ending balance $ $ $ $ $
Schedule of maturity and rate repricing distribution of the loan portfolio	December 31, 2016 2015 Within one year $ $ Over one to five years Over five years $ $

Equity Securities (Tables)

Equity Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Equity Securities
Schedule of equity securities	December 31, 2016 2015 Atlantic Central Bankers Bank stock $ $ Federal Home Loan Bank stock ICBA Stock Maryland Financial Bank stock Investment in Maryland Statutory Trust Total $ $

Pointer Ridge Office Investme39

Pointer Ridge Office Investment, LLC (Tables)	12 Months Ended
	Dec. 31, 2016
Pointer Ridge Office Investment, LLC
Summary of condensed Balance Sheets and Statements of Income information	December 31, 2016 2015 2014 Condensed Balance Sheets Current assets $ $ $ Non-current assets Liabilities Equity Condensed Statements of Income Revenue $ $ $ Expenses Net loss $ $ $

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Premises and Equipment
Summary of premises and equipment and the related depreciation expense	A summary of our premises and equipment and the related depreciation expense follows: December 31, 2016 2015 Land $ $ Building Leasehold improvements Furniture and equipment Accumulated depreciation Net premises and equipment $ $ Depreciation expense $ $

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Deposits
Schedule of major classifications of interest bearing deposits	December 31, 2016 2015 Money market and NOW $ $ Savings Time deposits that meet or exceed the FDIC insured limit Other time deposits $ $
Schedule of maturities of time deposit	December 31, 2016 2015 Within three months $ $ Over three to twelve months Over one to three years Over three to five years $ $
Schedule of interest on deposit	December 31, 2016 2015 2014 Money market and NOW $ $ $ Savings Other time deposits $ $ $

Short Term Borrowings (Tables)

Short Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Short Term Borrowings
Schedule of short term borrowings	Information related to short term borrowings is as follows: 2016 2015 Maximum Amount Maximum Amount Borrowed During Borrowed During Any Month End Any Month End December 31, Amount Rate Period Amount Rate Period Repurchase agreements $ % $ $ % $ FHLB daily rate advances FHLB adjustable rate advances — — FHLB fixed rate advances Total short term borrowings $ $ $ $ Average for the year Repurchase agreements $ % $ % FHLB daily rate advances FHLB adjustable rate advances FHLB fixed rate advances Total $ $

Long Term Borrowings (Tables)

Long Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Long Term Borrowings
Schedule of long term borrowings	2016 2015 December 31, Amount Rate Amount Rate Amount outstanding at year end Senior note $ — — % $ % Subordinated Note-fixed to floating rate — — Discount on Subordinated note — Issuance cost for subordinated note — Net carrying value of subordinated debt — — Subordinated Debentures Trust 1 - Floating 90-day LIBOR plus 2.85%, due 2034 Acquisition fair value adjustment Trust 2 - Floating 90-day LIBOR plus 1.60%, due 2035 Acquisition fair value adjustment Stock on subordinated debentures Net carrying value Total $ $ Average for the year Senior note, fixed at 6.28% $ % $ % Subordinated note — — Trust preferred subordinated debentures (1) Total $ $
Schedule of principal payments on long term debt obligations	Principal payments on long term debt obligations are due as follows: Year Amount 2026 over 10 years $

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2016
Related Party Transactions
Schedule of changes in amounts of loans outstanding to directors and executive officers or their affiliated companies	December 31, 2016 2015 Balance at beginning of year $ $ Additions Repayments Balance at end of year $ $

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Taxes
Schedule of components of income tax expense	December 31, 2016 2015 2014 Current Federal $ $ $ State Deferred Federal State $ $ $
Schedule of components of net deferred tax assets and liabilities	The components of net deferred tax assets and liabilities are as follows: December 31, 2016 2015 Deferred tax assets Allowance for loan losses $ $ Non-accrual interest Impairment losses and expenses on other real estate owned Director stock options Deferred compensation plans Net operating loss carryover AMT Credit Carryover — Fair value adjustments for acquired assets and liabilities Investment impairment loss — Non-compete agreements Other Net unrealized loss on securities available for sale $ $ Deferred tax liabilities Deferred loan origination costs, net $ $ Depreciation Core deposit intangible amortization Net deferred tax asset before valuation allowance Valuation allowance for deferred tax asset Net deferred tax asset $ $
Schedule of reconciliation of the differences between the federal income tax rate and effective tax rate	December 31, 2016 2015 2014 Statutory federal income tax rate % % % Increase (decrease) resulting from State income taxes, net of federal income tax benefit Bank owned life insurance Other tax exempt income Stock based compensation awards Other non-deductible expenses Other — Effective tax rate % % %

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2016
Employee Benefits
Summary of the status of the outstanding options	A summary of the status of outstanding options follows: 2016 2015 2014 Weighted Weighted Weighted average average average Number exercise Number exercise Number exercise of shares price of shares price of shares price Outstanding, beginning of year $ $ $ Options granted Options exercised Options forfeited — — — — — — Options expired — — — — — — Outstanding, end of year $ $ $
Schedule of information related to options	Outstanding Options Exercisable Options Number of Weighted Number of shares at average Weighted shares at Weighted December 31, remaining term average December 31, average Exercise price 2016 in years exercise price 2016 exercise price $6.30 - 10.85 $ $ $10.85 - 16.76 $16.77 - 17.75 — — $17.75 - 17.75 — — $ $
Summary of fair values of the options granted and weighted-average assumptions used to calculate the fair values	Years Ended December 31, 2016 2015 2014 Expected dividends % % % Risk free interest rate % % % Expected volatility % % % Weighted average volatility % % % Expected life in years 4.68-5.72 5.50-6.00 5.50-6.00 Weighted average fair value of options granted $ $ $
Vesting schedule of the unvested restricted stock awards	Vesting Schedule of Unvested Restricted Stock Awards December 31, 2016 # of Restricted Vesting Date Shares 2/25/2017 11,931 7/2/2017 7,132 7/8/2017 7,524 2/25/2018 3,535 7/2/2018 7,137 7/8/2018 7,531 2/24/2019 1,824 7/8/2019 7,537 Total Issued 54,151
Summary of the restricted stock awards	December 31, 2016 December 31, 2015 December 31, 2014 Weighted Weighted Weighted average average average Number of grant date Number of grant date Number of grant date shares fair value shares fair value shares fair value Nonvested, beginning of period $ $ $ Restricted stock granted Restricted stock vested Restricted stock forfeited — — — — — — Nonvested, end of period $ $ $ Total fair value of shares vested $ $ $ Intrinsic value of non-vested restricted stock awards where the market value exceeds the exercise price $ $ $ Intrinsic value of vested restricted stock awards where the market value exceeds the exercise price $ $ $

Capital Standards (Tables)

Capital Standards (Tables)	12 Months Ended
	Dec. 31, 2016
Capital Standards
Schedule of capital ratios and the capital requirements to remain adequately and well capitalized	Minimum capital To be well Actual adequacy (1) capitalized (2) December 31, 2016 Amount Ratio Amount Ratio Amount Ratio (Dollars in 000’s) Total capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to average assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Common Equity Tier 1 (to risk-weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Minimum capital To be well Actual adequacy (1) capitalized (2) December 31, 2015 Amount Ratio Amount Ratio Amount Ratio (Dollars in 000’s) Total capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to risk weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Tier 1 capital (to average assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % Common Equity Tier 1 (to risk-weighted assets) Consolidated $ % $ % $ % Old Line Bank $ % $ % $ % (1) When fully phased-in on January 1, 2019, the Basel III capital rules include a capital conservation buffer of 2.5% that is added on top of each of the minimum risk-based capital ratios noted above. Implementation began on January 1, 2016 at the 0.625% level and will increase each subsequent January 1, until it reaches 2.5% on January 1, 2019. (2) Prompt corrective action provisions are not applicable at the bank holding company level.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies
Schedule of commitments to extend credit and available credit lines	December 31, 2016 2015 Commitments to extend credit and available credit lines: Commercial $ $ Construction Consumer $ $ Standby letters of credit $ $
Schedule of future minimum lease commitments under the operating leases	Year Amount (in thousands) 2017 $ 2018 2019 2020 2021 Remaining $

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value Measurement
Schedule of assets and liabilities measured at fair value on a recurring basis	At December 31, 2016 (In thousands) Quoted Prices in Other Significant Total Changes Active Markets for Observable Unobservable in Fair Values Identical Assets Inputs Inputs Included in Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings Available-for-sale: Treasury securities $ $ $ — $ — $ — U.S. government agency — — — Corporate Bonds — Municipal securities — — — FHLMC MBS — — — FNMA MBS — — — GNMA MBS — — — Total recurring assets at fair value $ $ $ $ $ — At December 31, 2015 (In thousands) Quoted Prices in Other Significant Total Changes Active Markets for Observable Unobservable in Fair Values Identical Assets Inputs Inputs Included in Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings Available-for-sale: Treasury securities $ $ $ — $ — $ — U.S. government agency — — — Municipal securities — — — FHLMC MBS — — — FNMA MBS — — — GNMA MBS — — — SBA loan pools — — — Total recurring assets at fair value $ $ $ $ — $ — Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes our methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Furthermore, we have not comprehensively revalued the fair value amounts since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the above-presented amounts. The following table provides a reconciliation of changes in fair value included in assets measured in the Consolidated Balance sheet using inputs classified as level 3 in the fair value for the period indicated: Level 3 (in thousands) Year Ended December 31, 2016 Investment available-for-sale Balance as of January 1, 2016 $ — Realized and unrealized gains (losses) Included in earnings — Included in other comprehensive income Purchases, issuances, sales and settlements Transfers into or out of level 3 — Balance at December 31, 2016 $
Schedule of assets and liabilities measured at fair value on a nonrecurring basis	At December 31, 2016 (In thousands) Quoted Prices in Other Significant Active Markets for Observable Unobservable Identical Assets Inputs Inputs Carrying Value (Level 1) (Level 2) (Level 3) Impaired Loans Legacy: $ — — $ Acquired: — — Total Impaired Loans — — Other real estate owned: Legacy: $ — — $ Acquired: — — Total other real estate owned: — — Total $ $ — $ — $ At December 31, 2015 (In thousands) Quoted Prices in Other Significant Active Markets for Observable Unobservable Identical Assets Inputs Inputs Carrying Value (Level 1) (Level 2) (Level 3) Impaired Loans Legacy $ — — $ Acquired — — Total Impaired Loans — — Other real estate owned: Legacy $ — — $ Acquired — — Total other real estate owned: — — Total $ $ — $ — $
Schedule of estimated fair value of financial instruments	December 31, 2016 (In thousands) Quoted Prices Significant Significant Total in Active Other Other Carrying Estimated Markets for Observable Unobservable Amount Fair Identical Assets Inputs Inputs (000’s) Value (Level 1) (Level 2) (Level 3) Assets: Cash and cash equivalents $ $ $ $ — $ — Loans receivable, net — — Loans held for sale — — Investment securities available for sale Equity Securities at cost — — Bank Owned Life Insurance — — Accrued interest receivable — Liabilities: Deposits: Non-interest-bearing — — Interest bearing — — Short term borrowings — — Long term borrowings — — Accrued Interest payable — — December 31, 2015 (In thousands) Quoted Prices Significant Significant Total in Active Other Other Carrying Estimated Markets for Observable Unobservable Amount Fair Identical Assets Inputs Inputs (000’s) Value (Level 1) (Level 2) (Level 3) Assets: Cash and cash equivalents $ $ $ $ — $ — Loans receivable, net — — Loans held for sale — — Investment securities available for sale — Equity Securities at cost — — Bank Owned Life Insurance — — Accrued interest receivable — Liabilities: Deposits: Non-interest-bearing — — Interest bearing — — Short term borrowings — — Long term borrowings — — Accrued Interest payable — —

Other Operating Expenses (Table

Other Operating Expenses (Tables)	12 Months Ended
	Dec. 31, 2016
Other Operating Expenses
Schedule of other operating expenses	Other operating expenses that are significant are as follows: December 31, 2016 2015 2014 Legal Expenses $ $ $ Pointer Ridge other operating Professional Fees Audit and Exam Other Total $ $ $

Parent Company-Condensed Fina51

Parent Company-Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2016
Parent Company-Condensed Financial Information
Schedule of condensed balance sheets	Condensed Balance Sheets December 31, 2016 2015 Assets Cash and due from banks $ $ Investment in Real Estate LLC Investment in MD Statutory Trust Investment in Old Line Bank Federal income tax receivable Other assets $ $ Liabilities and Stockholders’ Equity Accounts payable $ $ Trust preferred Subordinated debt — Stockholders’ equity Common stock Additional paid-in capital Retained earnings Accumulated other comprehensive income (loss) $ $
Schedule of condensed statements of income	Condensed Statements of Income Years Ended December 31, 2016 2015 2014 Interest and dividend income (expense) Dividend from Old Line Bank $ $ $ Interest income on money market and certificates of deposit — Interest expense on trust preferred and subordinated debt — — Interest expense on loans — Net interest and dividend income Non-interest income (loss) Non-interest expense Income before income taxes Income tax expense (benefit) Undistributed net income of Old Line Bank Net income $ $ $
Schedule of condensed statements of cash flows	Old Line Bancshares, Inc. Statements of Cash Flows Years Ended December 31, 2016 2015 2014 Cash flows from operating activities Net income $ $ $ Adjustments to reconcile net income to net cash provided by operating activities Undistributed net income of Old Line Bank Stock based compensation awards (Income) loss from investment in real estate Pointer Ridge LLC (Increase) decrease in income tax receivable — — Increase (decrease) in other liabilities Decrease (increase) in other assets $ $ $ Cash flows from investing activities Cash and cash equivalents of acquired company — — Purchase Pointer Ridge LLC — — Net cash to bank — — — Cash flows from financing activities Proceeds from stock options exercised, including tax benefit Proceeds from issuance of common stock — — Acquisition cash consideration — — Subordinated debt issued — — Purchase of minority member(s) interest — — Cash dividends paid-common stock Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year $ $ $

Summary of Significant Accoun52

Summary of Significant Accounting Policies - Cash, Premises (Details)	12 Months Ended
	Dec. 31, 2016
Buildings | Minimum
Premises and equipment
Estimated useful life	5 years
Buildings | Maximum
Premises and equipment
Estimated useful life	50 years
Leasehold improvements | Minimum
Premises and equipment
Estimated useful life	3 years
Leasehold improvements | Maximum
Premises and equipment
Estimated useful life	30 years
Furniture and equipment | Minimum
Premises and equipment
Estimated useful life	3 years
Furniture and equipment | Maximum
Premises and equipment
Estimated useful life	23 years

Summary of Significant Accoun53

Summary of Significant Accounting Policies - Goodwill and Other Intangible Assets - (Details) - Core deposit intangible	12 Months Ended
	Dec. 31, 2016
Maryland Bankcorp
Other intangible assets
Amortization period	18 years
WSB Holdings, Inc.
Other intangible assets
Amortization period	10 years
Regal Bancorp Inc.
Other intangible assets
Amortization period	8 years

Summary of Significant Accoun54

Summary of Significant Accounting Policies - Earnings per share - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Summary of Significant Accounting Policies
Net income available to common stockholders	$ 13,155,097	$ 10,468,586	$ 7,130,300
Denominator:
Weighted average common shares outstanding	10,837,939	10,647,986	10,786,017
Effect of Diluted Options	159,546	136,337	149,165
Diluted shares	10,997,485	10,784,323	10,935,182
Net income per share:
Basic (in dollars per share)	$ 1.21	$ 0.98	$ 0.66
Diluted (in dollars per share)	$ 1.20	$ 0.97	$ 0.65

Acquisition of Regal Bancorp 55

Acquisition of Regal Bancorp Inc (Details)	Dec. 04, 2015USD ($)$ / sharesshares	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Purchase price as of acquisition date and the identifiable assets acquired and liabilities assumed
Aggregate cash consideration			$ 2,852,321
Net identifiable assets acquired over (under) assumed
Goodwill		$ 9,786,357	9,786,357	$ 7,793,665
Business Combination, Acquisition Related Costs		661,018	$ 1,420,570	$ 29,167
Regal Bancorp Inc.
Business Combination, Consideration Transferred [Abstract]
Purchase price per REGAL share (in dollar per share) | $ / shares	$ 12.68
Holder's right to receive shares for conversion of each share of common stock of acquiree | shares	0.7718
Shares issued | shares	230,640
Purchase price as of acquisition date and the identifiable assets acquired and liabilities assumed
Aggregate cash consideration	$ 2,852,321
Purchase price assigned to shares exchanged for stock	4,144,601
Total purchase price for Regal acquisition	6,996,922
Assets
Cash and due from banks	6,344,304
Investment securities available for sale	23,832,038
Loans, net of deferred fees and costs	91,440,695
Premises and equipment	1,807,143
Accrued interest receivable	253,863
Deferred income taxes	502,320
Bank owned life insurance	4,309,770
Other real estate owned	808,150
Core deposit intangible	722,780
Other assets	603,020
Total assets	130,624,083
Liabilities and Stockholders' Equity
Deposits	103,975,043
Long term borrowings	16,090,182
Trust preferred subordinated debentures	3,716,838
Other liabilities	1,837,790
Total liabilities	125,619,853
Net identifiable assets acquired over (under) assumed
Fair Value of net assets acquired	5,004,230
Goodwill	$ 1,992,692
Business Combination, Acquisition Related Costs		1,420,570
Regal Bancorp Inc. | Preferred Stock [Member]
Business Combination, Consideration Transferred [Abstract]
Business acquisition, share price | $ / shares	$ 2
Data processing
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		197,639
Data processing | Regal Bancorp Inc.
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		435,942
Salaries | Regal Bancorp Inc.
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		146,715
Advisory & legal fees
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		91,172
Advisory & legal fees | Regal Bancorp Inc.
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		631,667
Other
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		372,207
Other | Regal Bancorp Inc.
Net identifiable assets acquired over (under) assumed
Business Combination, Acquisition Related Costs		$ 206,246
Maximum | Regal Bancorp Inc.
Business Combination, Consideration Transferred [Abstract]
Business acquisition restriction percentage on extent of cash consideration	59

Goodwill and Other Intangible56

Goodwill and Other Intangible Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Goodwill:
Carrying amount at beginning of year	$ 9,786,357	$ 7,793,665
Goodwill from WSB acquisition		1,992,692
Carrying amount at end of year	9,786,357	9,786,357	$ 7,793,665
Amortization expense	830,805	792,351	866,704
Core deposit intangible
Goodwill:
Core deposit intangible	8,160,420	7,437,640
Acquired during the year		722,780
Less accumulated amortization	(4,639,999)	(3,809,194)
Carrying amount at end of year, net	3,520,421	4,351,226
Amortization expense	830,805	792,351	$ 866,704
Future amortization expense of core deposit premium
2,017	742,900
2,018	662,723
2,019	580,868
2,020	494,587
2,021	424,385
Thereafter	614,958
Total	$ 3,520,421	$ 4,351,226

Cash and Equivalents (Details)

Cash and Equivalents (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Cash and Equivalents
Average balance sold	$ 491	$ 365

Investment Securities -Summary

Investment Securities -Summary of the amortized cost and estimated fair value of securities. - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Investment securities
Amortized cost	$ 207,724,687	$ 194,642,591
Gross unrealized gains	276,234	1,229,338
Gross unrealized losses	(8,495,717)	(1,166,254)
Estimated fair value	199,505,204	194,705,675
U. S. treasury
Investment securities
Amortized cost	2,999,483	2,999,978
Gross unrealized gains	27	118
Gross unrealized losses	(3,728)	(96)
Estimated fair value	2,995,782	3,000,000
U.S. government agency
Investment securities
Amortized cost	7,653,595	36,874,804
Gross unrealized gains		10,283
Gross unrealized losses	(387,280)	(278,424)
Estimated fair value	7,266,315	36,606,663
Corporate bond
Investment securities
Amortized cost	8,100,000
Gross unrealized gains	90,477
Gross unrealized losses	(18,840)
Estimated fair value	8,171,637
Municipal securities
Investment securities
Amortized cost	71,103,969	49,130,632
Gross unrealized gains	170,512	1,092,044
Gross unrealized losses	(3,587,676)	(19,970)
Estimated fair value	67,686,805	50,202,706
FHLMC certificates
Investment securities
Amortized cost		21,734,289
Gross unrealized gains		55,218
Gross unrealized losses		(26,350)
Estimated fair value		21,763,157
FNMA certificates
Investment securities
Amortized cost	22,706,185	49,461,464
Gross unrealized gains	11,712	22,916
Gross unrealized losses	(917,543)	(382,909)
Estimated fair value	21,800,354	49,101,471
GNMA certificates
Investment securities
Amortized cost	73,425,200	29,758,449
Gross unrealized gains		48,759
Gross unrealized losses	(2,976,384)	(389,199)
Estimated fair value	70,448,816	29,418,009
SBA loan pools
Investment securities
Amortized cost	21,736,255	4,682,975
Gross unrealized gains	3,506
Gross unrealized losses	(604,266)	(69,306)
Estimated fair value	$ 21,135,495	$ 4,613,669

Investment Securities - Length

Investment Securities - Length of time for securities in unrealized loss position (Details)	12 Months Ended
	Dec. 31, 2016USD ($)security	Dec. 31, 2015USD ($)	Dec. 04, 2015USD ($)
Investment securities
Less than 12 months, Fair value	$ 169,731,353	$ 96,351,663
Less than 12 months, Unrealized losses	8,366,473	786,174
12 Months or More, Fair value	4,227,210	22,211,864
12 Months or More, Unrealized losses	129,244	380,080
Total, Fair value	173,958,563	118,563,527
Total, Unrealized losses	$ 8,495,717	1,166,254
Gross realized gains and proceeds from sales or calls of investment securities
Number of securities in an unrealized loss position for less than 12 months | security	166
Number of securities in an unrealized loss position for greater than 12 months | security	7
Proceeds from sales, maturities or calls of investment securities	$ 140,300,000
Gross realized gains from the sale or call of investment securities	1,300,000
Gross realized losses from the sale or call of investment securities	92,000
Net realized gains (losses) from the sale or call of investment securities	$ 1,200,000
Term of mortgage based securities purchased	15 years
U.S. government agency
Investment securities
Less than 12 months, Fair value	$ 7,266,315	33,613,513
Less than 12 months, Unrealized losses	387,280	261,290
12 Months or More, Fair value		1,482,867
12 Months or More, Unrealized losses		17,133
Total, Fair value	7,266,315	35,096,380
Total, Unrealized losses	387,280	278,423
Municipal securities
Investment securities
Less than 12 months, Fair value	50,722,157	4,864,113
Less than 12 months, Unrealized losses	3,587,676	12,224
12 Months or More, Fair value		762,762
12 Months or More, Unrealized losses		7,747
Total, Fair value	50,722,157	5,626,875
Total, Unrealized losses	3,587,676	19,971
FHLMC certificates
Investment securities
Less than 12 months, Fair value	21,413,620	9,150,943
Less than 12 months, Unrealized losses	917,543	26,350
Total, Fair value	21,413,620	9,150,943
Total, Unrealized losses	917,543	26,350
FNMA certificates
Investment securities
Less than 12 months, Fair value	70,448,817	33,441,909
Less than 12 months, Unrealized losses	2,976,384	345,209
12 Months or More, Fair value		2,999,700
12 Months or More, Unrealized losses		37,700
Total, Fair value	70,448,817	36,441,609
Total, Unrealized losses	2,976,384	382,909
GNMA certificates
Investment securities
Less than 12 months, Fair value	16,403,268	13,781,185
Less than 12 months, Unrealized losses	475,022	141,005
12 Months or More, Fair value	4,227,210	12,352,866
12 Months or More, Unrealized losses	129,244	248,194
Total, Fair value	20,630,478	26,134,051
Total, Unrealized losses	604,266	389,199
SBA loan pools
Investment securities
12 Months or More, Fair value		4,613,669
12 Months or More, Unrealized losses		69,306
Total, Fair value		4,613,669
Total, Unrealized losses		69,306
U. S. treasury
Investment securities
Less than 12 months, Fair value	1,496,016	1,500,000
Less than 12 months, Unrealized losses	3,728	96
Total, Fair value	1,496,016	1,500,000
Total, Unrealized losses	3,728	96
Corporate bond
Investment securities
Less than 12 months, Fair value	1,981,160
Less than 12 months, Unrealized losses	18,840
Total, Fair value	1,981,160
Total, Unrealized losses	$ 18,840
Regal Bancorp Inc.
Gross realized gains and proceeds from sales or calls of investment securities
Investment securities available for sale			$ 23,832,038
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities			$ 23,832,038
Proceeds from sales, maturities or calls of investment securities		6,000,000
Gross realized gains from the sale or call of investment securities		69,000
Gross realized losses from the sale or call of investment securities		4,000
Net realized gains (losses) from the sale or call of investment securities		$ 65,000

Investment Securities - Contrac

Investment Securities - Contractual maturities and pledged securities - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Available for Sale, Amortized cost
Within one year	$ 1,499,739	$ 2,999,978
Over one to five years	4,788,422	38,043,946
Over five to ten years	31,359,410	18,196,837
Over ten years	170,077,116	135,401,830
Total available for sale, Amortized cost	207,724,687	194,642,591
Available for Sale, Fair value
Within one year	1,499,766	3,000,000
Over one to five years	4,801,586	37,821,084
Over five to ten years	30,528,639	18,530,454
Over ten years	162,675,213	135,354,137
Estimated fair value	199,505,204	194,705,675
Pledged securities
Amortized cost	52,471,389	42,610,016
Fair value	$ 50,704,637	$ 42,385,435

Loans and Allowance for Loan 61

Loans and Allowance for Loan Losses - Major loans classifications - (Details)	12 Months Ended
	Dec. 31, 2016USD ($)item	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Held-for-investment
Total before allowance and deferred loan cost	$ 1,366,113,264	$ 1,150,670,000
Allowance for loan losses	(6,195,469)	(4,909,818)	$ (4,281,835)
Deferred loan costs, net	1,257,411	1,274,533
Total Loans	$ 1,361,175,206	1,147,034,715
Number of board of directors and executives forming loan committee | item	7
Credit score required for loans sold in secondary market | item	640
Credit score required for loans sold in secondary market to veterans | item	620
Maximum
Held-for-investment
Loans and Leases Receivable Permissible Amount under Federal Regulations	$ 636,150
Minimum
Held-for-investment
Loans and Leases Receivable Permissible Amount under Federal Regulations	424,100
Commercial Real Estate
Held-for-investment
Total before allowance and deferred loan cost	953,915,995	767,646,422
Allowance for loan losses	(3,990,152)	(3,053,925)	(2,558,368)
Commercial Real Estate | Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	292,071,087	251,122,416
Commercial Real Estate | Investment
Held-for-investment
Total before allowance and deferred loan cost	451,700,513	356,183,463
Commercial Real Estate | Hospitality
Held-for-investment
Total before allowance and deferred loan cost	152,805,285	102,217,109
Commercial Real Estate | Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	57,339,110	58,123,433
Residential Real Estate
Held-for-investment
Total before allowance and deferred loan cost	265,194,930	260,665,765
Allowance for loan losses	$ (823,520)	(682,962)	(926,995)
Residential Real Estate | Maximum
Held-for-investment
Maturity period of short duration loans	12 months
Residential Real Estate | First Lien-Investment
Held-for-investment
Total before allowance and deferred loan cost	$ 95,774,172	100,656,195
Residential Real Estate | First Lien-Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	97,176,371	89,691,575
Residential Real Estate | Residential Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	45,225,454	41,798,751
Residential Real Estate | HELOC and Jr. Liens
Held-for-investment
Total before allowance and deferred loan cost	27,018,933	28,519,245
Commercial & Industrial Loans
Held-for-investment
Total before allowance and deferred loan cost	141,993,464	115,482,698
Commercial
Held-for-investment
Total before allowance and deferred loan cost	141,993,464	115,482,698
Allowance for loan losses	(1,372,235)	(1,161,318)	(696,371)
Minimum threshold amount of loan for which financial condition and operating performance of the borrower is monitored	250,000
Consumer
Held-for-investment
Total before allowance and deferred loan cost	5,008,875	6,875,115
Allowance for loan losses	$ (9,562)	(11,613)	$ (100,101)
Consumer | Maximum
Held-for-investment
Debt to income ratio required (as a percent)	40.00%
Legacy
Held-for-investment
Total before allowance and deferred loan cost	$ 1,177,232,361	912,960,157
Allowance for loan losses	(6,084,478)	(4,821,214)
Deferred loan costs, net	1,257,411	1,274,533
Total Loans	1,172,405,294	909,413,476
Legacy | Commercial Real Estate | Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	238,220,475	193,909,818
Legacy | Commercial Real Estate | Investment
Held-for-investment
Total before allowance and deferred loan cost	414,012,709	298,434,087
Legacy | Commercial Real Estate | Hospitality
Held-for-investment
Total before allowance and deferred loan cost	141,611,858	91,440,548
Legacy | Commercial Real Estate | Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	51,323,297	50,584,469
Legacy | Residential Real Estate | First Lien-Investment
Held-for-investment
Total before allowance and deferred loan cost	72,150,512	69,121,743
Legacy | Residential Real Estate | First Lien-Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	54,732,604	37,486,858
Legacy | Residential Real Estate | Residential Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	39,667,222	35,219,801
Legacy | Residential Real Estate | HELOC and Jr. Liens
Held-for-investment
Total before allowance and deferred loan cost	24,385,215	24,168,289
Legacy | Commercial & Industrial Loans
Held-for-investment
Total before allowance and deferred loan cost	136,259,560	105,963,233
Legacy | Consumer
Held-for-investment
Total before allowance and deferred loan cost	4,868,909	6,631,311
Acquired
Held-for-investment
Total before allowance and deferred loan cost	188,880,903	237,709,843
Allowance for loan losses	(110,991)	(88,604)
Total Loans	188,769,912	237,621,239
Acquired | Commercial Real Estate | Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	53,850,612	57,212,598
Acquired | Commercial Real Estate | Investment
Held-for-investment
Total before allowance and deferred loan cost	37,687,804	57,749,376
Acquired | Commercial Real Estate | Hospitality
Held-for-investment
Total before allowance and deferred loan cost	11,193,427	10,776,561
Acquired | Commercial Real Estate | Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	6,015,813	7,538,964
Acquired | Residential Real Estate | First Lien-Investment
Held-for-investment
Total before allowance and deferred loan cost	23,623,660	31,534,452
Acquired | Residential Real Estate | First Lien-Owner Occupied
Held-for-investment
Total before allowance and deferred loan cost	42,443,767	52,204,717
Acquired | Residential Real Estate | Residential Land and A&D
Held-for-investment
Total before allowance and deferred loan cost	5,558,232	6,578,950
Acquired | Residential Real Estate | HELOC and Jr. Liens
Held-for-investment
Total before allowance and deferred loan cost	2,633,718	4,350,956
Acquired | Commercial & Industrial Loans
Held-for-investment
Total before allowance and deferred loan cost	5,733,904	9,519,465
Acquired | Consumer
Held-for-investment
Total before allowance and deferred loan cost	$ 139,966	$ 243,804

Loans and Allowance for Loan 62

Loans and Allowance for Loan Losses - Aging analysis of loans - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Aging analysis of the loan held for investment portfolio
Current	$ 1,353,011,924	$ 1,137,882,394
Accruing past due loans:
Total 30-89 days past due	5,814,106	6,764,550
Total 90 or more days past due	903,532	129,437
Total accruing past due loans	6,717,638	6,893,987
Total Recorded Investment Non-accruing past due loans:	6,383,702	5,893,619
Total loans	1,366,113,264	1,150,670,000
Commercial Real Estate
Accruing past due loans:
Total loans	953,915,995	767,646,422
Commercial Real Estate | Owner Occupied
Accruing past due loans:
Total 30-89 days past due	2,799,802	1,359,110
Total 90 or more days past due	634,290
Total Recorded Investment Non-accruing past due loans:	2,370,589	2,474,813
Total loans	292,071,087	251,122,416
Commercial Real Estate | Investment
Accruing past due loans:
Total 30-89 days past due	794,037
Total Recorded Investment Non-accruing past due loans:		64,447
Total loans	451,700,513	356,183,463
Commercial Real Estate | Hospitality
Accruing past due loans:
Total Recorded Investment Non-accruing past due loans:	1,346,736
Total loans	152,805,285	102,217,109
Commercial Real Estate | Land and A&D
Accruing past due loans:
Total 30-89 days past due		617,521
Total 90 or more days past due		128,938
Total Recorded Investment Non-accruing past due loans:	271,962	261,700
Total loans	57,339,110	58,123,433
Residential Real Estate
Accruing past due loans:
Total loans	265,194,930	260,665,765
Residential Real Estate | First Lien-Investment
Accruing past due loans:
Total 30-89 days past due	915,442	1,541,752
Total Recorded Investment Non-accruing past due loans:	411,354	683,139
Total loans	95,774,172	100,656,195
Residential Real Estate | First Lien-Owner Occupied
Accruing past due loans:
Total 30-89 days past due	879,718	2,365,861
Total 90 or more days past due	250,000
Total Recorded Investment Non-accruing past due loans:	222,237	566,701
Total loans	97,176,371	89,691,575
Residential Real Estate | Residential Land and A&D
Accruing past due loans:
Total loans	45,225,454	41,798,751
Residential Real Estate | HELOC and Jr. Liens
Accruing past due loans:
Total 30-89 days past due	99,946
Total loans	27,018,933	28,519,245
Commercial
Accruing past due loans:
Total 30-89 days past due	325,161	878,267
Total Recorded Investment Non-accruing past due loans:	1,760,824	1,842,819
Total loans	141,993,464	115,482,698
Consumer
Accruing past due loans:
Total 30-89 days past due		2,039
Total 90 or more days past due	19,242	499
Total loans	5,008,875	6,875,115
Legacy
Aging analysis of the loan held for investment portfolio
Current	1,167,380,870	907,545,764
Accruing past due loans:
Total 30-89 days past due	3,742,407	994,318
Total 90 or more days past due	19,242
Total accruing past due loans	3,761,649	994,318
Total Recorded Investment Non-accruing past due loans:	6,089,842	4,420,075
Total loans	1,177,232,361	912,960,157
Legacy | Commercial Real Estate | Owner Occupied
Accruing past due loans:
Total 30-89 days past due	2,799,802
Total Recorded Investment Non-accruing past due loans:	2,370,589	2,474,813
Total loans	238,220,475	193,909,818
Legacy | Commercial Real Estate | Investment
Accruing past due loans:
Total loans	414,012,709	298,434,087
Legacy | Commercial Real Estate | Hospitality
Accruing past due loans:
Total Recorded Investment Non-accruing past due loans:	1,346,736
Total loans	141,611,858	91,440,548
Legacy | Commercial Real Estate | Land and A&D
Accruing past due loans:
Total 30-89 days past due		459,655
Total Recorded Investment Non-accruing past due loans:	77,395
Total loans	51,323,297	50,584,469
Legacy | Residential Real Estate | First Lien-Investment
Accruing past due loans:
Total 30-89 days past due	517,498	288,747
Total Recorded Investment Non-accruing past due loans:	312,061	102,443
Total loans	72,150,512	69,121,743
Legacy | Residential Real Estate | First Lien-Owner Occupied
Accruing past due loans:
Total 30-89 days past due		241,445
Total Recorded Investment Non-accruing past due loans:	222,237
Total loans	54,732,604	37,486,858
Legacy | Residential Real Estate | Residential Land and A&D
Accruing past due loans:
Total loans	39,667,222	35,219,801
Legacy | Residential Real Estate | HELOC and Jr. Liens
Accruing past due loans:
Total 30-89 days past due	99,946
Total loans	24,385,215	24,168,289
Legacy | Commercial
Accruing past due loans:
Total 30-89 days past due	325,161	4,471
Total Recorded Investment Non-accruing past due loans:	1,760,824	1,842,819
Legacy | Consumer
Accruing past due loans:
Total 90 or more days past due	19,242
Total loans	4,868,909	6,631,311
Acquired
Aging analysis of the loan held for investment portfolio
Current	185,631,054	230,336,630
Accruing past due loans:
Total 30-89 days past due	2,071,699	5,770,232
Total 90 or more days past due	884,290	129,437
Total accruing past due loans	2,955,989	5,899,669
Total Recorded Investment Non-accruing past due loans:	293,860	1,473,544
Total loans	188,880,903	237,709,843
Acquired | Commercial Real Estate | Owner Occupied
Accruing past due loans:
Total 30-89 days past due		1,359,110
Total 90 or more days past due	634,290
Total loans	53,850,612	57,212,598
Acquired | Commercial Real Estate | Investment
Accruing past due loans:
Total 30-89 days past due	794,037
Total Recorded Investment Non-accruing past due loans:		64,447
Total loans	37,687,804	57,749,376
Acquired | Commercial Real Estate | Hospitality
Accruing past due loans:
Total loans	11,193,427	10,776,561
Acquired | Commercial Real Estate | Land and A&D
Accruing past due loans:
Total 30-89 days past due		157,866
Total 90 or more days past due		128,938
Total Recorded Investment Non-accruing past due loans:	194,567	261,700
Total loans	6,015,813	7,538,964
Acquired | Residential Real Estate | First Lien-Investment
Accruing past due loans:
Total 30-89 days past due	397,944	1,253,005
Total Recorded Investment Non-accruing past due loans:	99,293	580,696
Total loans	23,623,660	31,534,452
Acquired | Residential Real Estate | First Lien-Owner Occupied
Accruing past due loans:
Total 30-89 days past due	879,718	2,124,416
Total 90 or more days past due	250,000
Total Recorded Investment Non-accruing past due loans:		566,701
Total loans	42,443,767	52,204,717
Acquired | Residential Real Estate | Residential Land and A&D
Accruing past due loans:
Total loans	5,558,232	6,578,950
Acquired | Residential Real Estate | HELOC and Jr. Liens
Accruing past due loans:
Total loans	2,633,718	4,350,956
Acquired | Commercial
Accruing past due loans:
Total 30-89 days past due		873,796
Acquired | Consumer
Accruing past due loans:
Total 30-89 days past due		2,039
Total 90 or more days past due		499
Total loans	$ 139,966	$ 243,804

Loans and Allowance for Loan 63

Loans and Allowance for Loan Losses - Impaired loans - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Unpaid Principal Balance
Total	$ 10,030,983	$ 7,077,135
Recorded Investment
Total	9,456,664	7,056,609
Related Allowance
Total	1,393,006	813,139
Average Recorded Investment
Total	22,511,712	16,688,819
Interest Income Recognized
Total	260,125	108,176
Legacy
Unpaid Principal Balance
Total	8,257,935	6,057,441
Recorded Investment
Total	8,257,935	6,057,441
Related Allowance
Total	1,282,015	724,535
Average Recorded Investment
Total	20,035,287	14,767,783
Interest Income Recognized
Total	212,901	79,699
Legacy | Commercial Real Estate | Owner Occupied
Unpaid Principal Balance
With no related allowance recorded	566,973	575,562
With an allowance recorded	2,048,989
Recorded Investment
With no related allowance recorded	566,973	575,562
With an allowance recorded	2,048,989
Related Allowance
Total	443,489
Average Recorded Investment
With no related allowance recorded	1,223,360	1,232,306
With an allowance recorded	6,605,858
Interest Income Recognized
With no related allowance recorded	12,759	13,147
With an allowance recorded	50,348
Legacy | Commercial Real Estate | Investment
Unpaid Principal Balance
With no related allowance recorded	1,212,771	1,264,141
With an allowance recorded	610,485
Recorded Investment
With no related allowance recorded	1,212,771	1,264,141
With an allowance recorded	610,485
Related Allowance
Total	33,335
Average Recorded Investment
With no related allowance recorded	1,208,240	1,264,141
With an allowance recorded	610,373
Interest Income Recognized
With no related allowance recorded	54,531	56,959
With an allowance recorded	46,550
Legacy | Commercial Real Estate | Hospitality
Unpaid Principal Balance
With an allowance recorded	1,346,736
Recorded Investment
With an allowance recorded	1,346,736
Related Allowance
Total	134,674
Average Recorded Investment
With an allowance recorded	4,199,162
Interest Income Recognized
With an allowance recorded	20,959
Legacy | Commercial Real Estate | Land and A&D
Unpaid Principal Balance
With an allowance recorded	77,395
Recorded Investment
With an allowance recorded	77,395
Related Allowance
Total	15,860
Average Recorded Investment
With an allowance recorded	82,587
Interest Income Recognized
With an allowance recorded	4,729
Legacy | Residential Real Estate | First Lien-Investment
Unpaid Principal Balance
With no related allowance recorded		102,443
Recorded Investment
With no related allowance recorded		102,443
Average Recorded Investment
With no related allowance recorded		330,106
Legacy | Residential Real Estate | First Lien-Owner Occupied
Unpaid Principal Balance
With no related allowance recorded	222,237
With an allowance recorded	312,061
Recorded Investment
With no related allowance recorded	222,237
With an allowance recorded	312,061
Related Allowance
Total	45,505
Average Recorded Investment
With no related allowance recorded	243,699
With an allowance recorded	547,024
Interest Income Recognized
With no related allowance recorded	5,440
With an allowance recorded	9,348
Legacy | Commercial
Unpaid Principal Balance
With no related allowance recorded	843,809	922,826
With an allowance recorded	1,016,479	1,039,255
Recorded Investment
With no related allowance recorded	843,809	922,826
With an allowance recorded	1,016,479	1,039,255
Related Allowance
Total	609,152	605,336
Average Recorded Investment
With no related allowance recorded	3,338,295	3,338,295
With an allowance recorded	1,976,689	1,997,077
Interest Income Recognized
With no related allowance recorded	3,761
With an allowance recorded	4,476	9,593
Acquired
Unpaid Principal Balance
Total	1,773,048	1,019,694
Recorded Investment
Total	1,198,729	999,168
Related Allowance
Total	110,991	88,604
Average Recorded Investment
Total	2,476,425	1,921,036
Interest Income Recognized
Total	47,224	28,477
Acquired | Commercial Real Estate | Land and A&D
Unpaid Principal Balance
With no related allowance recorded	255,716
With an allowance recorded	151,634
Recorded Investment
With no related allowance recorded	91,669
With an allowance recorded	151,634
Related Allowance
Total	83,784
Average Recorded Investment
With no related allowance recorded	255,661
With an allowance recorded	161,622
Interest Income Recognized
With no related allowance recorded	13,686
With an allowance recorded	5,264
Acquired | Residential Real Estate
Unpaid Principal Balance
With no related allowance recorded	334,271
Recorded Investment
With no related allowance recorded	45,000
Average Recorded Investment
With no related allowance recorded	334,271
Acquired | Residential Real Estate | First Lien-Investment
Unpaid Principal Balance
With no related allowance recorded	292,349	528,964
Recorded Investment
With no related allowance recorded	171,348	518,243
Average Recorded Investment
With no related allowance recorded	233,133	1,062,798
Interest Income Recognized
With no related allowance recorded	4,383	28,477
Acquired | Residential Real Estate | First Lien-Owner Occupied
Unpaid Principal Balance
With no related allowance recorded	662,835	267,113
With an allowance recorded		223,617
Recorded Investment
With no related allowance recorded	662,835	261,700
With an allowance recorded		219,225
Related Allowance
Total		88,604
Average Recorded Investment
With no related allowance recorded	1,408,689	490,977
With an allowance recorded		$ 367,261
Interest Income Recognized
With no related allowance recorded	19,899
Acquired | Commercial
Unpaid Principal Balance
With an allowance recorded	76,243
Recorded Investment
With an allowance recorded	76,243
Related Allowance
Total	27,207
Average Recorded Investment
With an allowance recorded	83,049
Interest Income Recognized
With an allowance recorded	$ 3,992

Loans and Allowance for Loan 64

Loans and Allowance for Loan Losses - Loans Modified as a TDR - (Details)	12 Months Ended
	Dec. 31, 2016USD ($)contractitem	Dec. 31, 2015USD ($)contractitem
Troubled debt restructurings
Number of Contracts | item	2	2
Pre-Modification Outstanding Recorded Investment	$ 392,842	$ 416,012
Post Modification Outstanding Recorded Investment	$ 158,382	$ 416,012
Number of loans that have been modified as troubled debt restructurings that defaulted | contract	0	0
Restructured loans
Troubled debt restructurings
Number of Contracts | item	7	5
Pre-Modification Outstanding Recorded Investment	$ 897,000
Post Modification Outstanding Recorded Investment		$ 711,000
Acquired | Residential Real Estate | Owner Occupied
Troubled debt restructurings
Number of Contracts | item		2
Pre-Modification Outstanding Recorded Investment		$ 416,012
Post Modification Outstanding Recorded Investment		$ 416,012

Loans and Allowance for Loan 65

Loans and Allowance for Loan Losses - Changes in the accretable discount - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Outstanding balances and related carrying amounts of acquired impaired loans
Contractually Required Payments Receivable	$ 9,597,703	$ 14,875,352
Carrying Amount	7,558,415	10,675,943
Accretable Yield
Beginning balance	276,892	(31,551)
Additions due to Regal acquisition		303,288
Accretion of fair value discounts	(308,629)	(251,595)
Reclassification from non-accretable	8,757	256,750
Ending balance	(22,980)	276,892
Additional information
Loans and Leases Receivable, Allowance	6,195,469	4,909,818	$ 4,281,835
Residential Real Estate
Additional information
Loans and Leases Receivable, Allowance	823,520	682,962	926,995
Commercial
Additional information
Loans and Leases Receivable, Allowance	1,372,235	1,161,318	696,371
Consumer
Additional information
Loans and Leases Receivable, Allowance	9,562	11,613	$ 100,101
Acquired
Additional information
Loans and Leases Receivable, Allowance	$ 110,991	$ 88,604

Loans and Allowance for Loan 66

Loans and Allowance for Loan Losses - Allocation of the loan portfolio - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Credit quality indicators
Account balance	$ 1,366,113,264	$ 1,150,670,000
Commercial Real Estate
Credit quality indicators
Account balance	953,915,995	767,646,422
Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	292,071,087	251,122,416
Commercial Real Estate | Investment
Credit quality indicators
Account balance	451,700,513	356,183,463
Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	152,805,285	102,217,109
Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	57,339,110	58,123,433
Residential Real Estate
Credit quality indicators
Account balance	265,194,930	260,665,765
Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	95,774,172	100,656,195
Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	97,176,371	89,691,575
Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	45,225,454	41,798,751
Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	27,018,933	28,519,245
Commercial
Credit quality indicators
Account balance	141,993,464	115,482,698
Consumer
Credit quality indicators
Account balance	$ 5,008,875	6,875,115
Installment and other consumer loans and real estate loans
Credit quality indicators
Loss ratio period considered	3 years
Risk rated 1 - 5 at acquisition
Credit quality indicators
Account balance	$ 1,326,049,571	1,110,999,911
Risk rated 1 - 5 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	280,054,728	237,902,524
Risk rated 1 - 5 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	444,005,052	350,268,873
Risk rated 1 - 5 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	150,046,860	100,786,831
Risk rated 1 - 5 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	54,632,801	54,041,510
Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	92,879,243	96,784,165
Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	93,213,303	85,316,582
Risk rated 1 - 5 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	41,210,732	39,421,737
Risk rated 1 - 5 at acquisition | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	27,018,933	28,513,137
Risk rated 1 - 5 at acquisition | Commercial
Credit quality indicators
Account balance	137,979,044	111,089,437
Risk rated 1 - 5 at acquisition | Consumer
Credit quality indicators
Account balance	5,008,875	6,875,115
Risk rated 6 at acquisition
Credit quality indicators
Account balance	21,762,896	24,367,921
Risk rated 6 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	7,372,079	7,707,085
Risk rated 6 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	2,177,065	2,847,395
Risk rated 6 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	1,411,689	1,430,277
Risk rated 6 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	2,661,309	2,972,443
Risk rated 6 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	1,826,220	2,411,792
Risk rated 6 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	2,190,734	2,883,550
Risk rated 6 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	3,470,324	2,631,460
Risk rated 6 at acquisition | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance		6,107
Risk rated 6 at acquisition | Commercial
Credit quality indicators
Account balance	653,476	1,477,812
Risk rated 7 at acquisition
Credit quality indicators
Account balance	18,300,797	15,302,168
Risk rated 7 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	4,644,279	5,512,807
Risk rated 7 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	5,518,394	3,067,196
Risk rated 7 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	1,346,736
Risk rated 7 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	45,000	42,670
Risk rated 7 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	1,068,709	1,460,238
Risk rated 7 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	1,772,335	1,491,443
Risk rated 7 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	544,399	812,364
Risk rated 7 at acquisition | Commercial
Credit quality indicators
Account balance	3,360,945	2,915,450
Legacy
Credit quality indicators
Account balance	1,177,232,361	912,960,157
Legacy | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	238,220,475	193,909,818
Legacy | Commercial Real Estate | Investment
Credit quality indicators
Account balance	414,012,709	298,434,087
Legacy | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	141,611,858	91,440,548
Legacy | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	51,323,297	50,584,469
Legacy | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	72,150,512	69,121,743
Legacy | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	54,732,604	37,486,858
Legacy | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	39,667,222	35,219,801
Legacy | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	24,385,215	24,168,289
Legacy | Consumer
Credit quality indicators
Account balance	4,868,909	6,631,311
Legacy | Risk rated 1 - 5 at acquisition
Credit quality indicators
Account balance	1,153,808,754	895,388,512
Legacy | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	231,985,682	187,470,038
Legacy | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	408,875,014	296,144,038
Legacy | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	140,265,123	91,440,548
Legacy | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	48,817,229	47,935,681
Legacy | Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	70,980,640	67,862,579
Legacy | Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	54,201,816	37,409,003
Legacy | Risk rated 1 - 5 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	36,910,902	33,611,213
Legacy | Risk rated 1 - 5 at acquisition | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	24,385,215	24,162,182
Legacy | Risk rated 1 - 5 at acquisition | Commercial
Credit quality indicators
Account balance	132,518,224	102,721,919
Legacy | Risk rated 1 - 5 at acquisition | Consumer
Credit quality indicators
Account balance	4,868,909	6,631,311
Legacy | Risk rated 6 at acquisition
Credit quality indicators
Account balance	9,727,434	10,378,375
Legacy | Risk rated 6 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	2,799,801	2,863,922
Legacy | Risk rated 6 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	400,228	1,025,908
Legacy | Risk rated 6 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	2,506,068	2,648,788
Legacy | Risk rated 6 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	577,767	867,973
Legacy | Risk rated 6 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	308,552	77,855
Legacy | Risk rated 6 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	2,678,925	1,608,588
Legacy | Risk rated 6 at acquisition | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance		6,107
Legacy | Risk rated 6 at acquisition | Commercial
Credit quality indicators
Account balance	456,093	1,279,234
Legacy | Risk rated 7 at acquisition
Credit quality indicators
Account balance	13,696,173	7,193,270
Legacy | Risk rated 7 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	3,434,990	3,575,859
Legacy | Risk rated 7 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	4,737,465	1,264,141
Legacy | Risk rated 7 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	1,346,736
Legacy | Risk rated 7 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	592,106	391,190
Legacy | Risk rated 7 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	222,237
Legacy | Risk rated 7 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	77,395
Legacy | Risk rated 7 at acquisition | Commercial
Credit quality indicators
Account balance	3,285,244	1,962,080
Acquired
Credit quality indicators
Account balance	188,880,903	237,709,843
Acquired | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	53,850,612	57,212,598
Acquired | Commercial Real Estate | Investment
Credit quality indicators
Account balance	37,687,804	57,749,376
Acquired | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	11,193,427	10,776,561
Acquired | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	6,015,813	7,538,964
Acquired | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	23,623,660	31,534,452
Acquired | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	42,443,767	52,204,717
Acquired | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	5,558,232	6,578,950
Acquired | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	2,633,718	4,350,956
Acquired | Consumer
Credit quality indicators
Account balance	139,966	243,804
Acquired | Risk rated 1 - 5 at acquisition
Credit quality indicators
Account balance	172,240,817	215,611,399
Acquired | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	48,069,046	50,432,486
Acquired | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	35,130,038	54,124,835
Acquired | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	9,781,737	9,346,283
Acquired | Risk rated 1 - 5 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	5,815,572	6,105,829
Acquired | Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	21,898,603	28,921,586
Acquired | Risk rated 1 - 5 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	39,011,487	47,907,579
Acquired | Risk rated 1 - 5 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	4,299,830	5,810,524
Acquired | Risk rated 1 - 5 at acquisition | Residential Real Estate | HELOC and Jr. Liens
Credit quality indicators
Account balance	2,633,718	4,350,955
Acquired | Risk rated 1 - 5 at acquisition | Commercial
Credit quality indicators
Account balance	5,460,820	8,367,518
Acquired | Risk rated 1 - 5 at acquisition | Consumer
Credit quality indicators
Account balance	139,966	243,804
Acquired | Risk rated 6 at acquisition
Credit quality indicators
Account balance	12,035,462	13,989,546
Acquired | Risk rated 6 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	4,572,278	4,843,163
Acquired | Risk rated 6 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	1,776,837	1,821,487
Acquired | Risk rated 6 at acquisition | Commercial Real Estate | Hospitality
Credit quality indicators
Account balance	1,411,689	1,430,277
Acquired | Risk rated 6 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	155,241	323,655
Acquired | Risk rated 6 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	1,248,453	1,543,819
Acquired | Risk rated 6 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	1,882,182	2,805,695
Acquired | Risk rated 6 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	791,399	1,022,872
Acquired | Risk rated 6 at acquisition | Commercial
Credit quality indicators
Account balance	197,383	198,578
Acquired | Risk rated 7 at acquisition
Credit quality indicators
Account balance	4,604,624	8,108,898
Acquired | Risk rated 7 at acquisition | Commercial Real Estate | Owner Occupied
Credit quality indicators
Account balance	1,209,289	1,936,948
Acquired | Risk rated 7 at acquisition | Commercial Real Estate | Investment
Credit quality indicators
Account balance	780,929	1,803,055
Acquired | Risk rated 7 at acquisition | Commercial Real Estate | Land and A&D
Credit quality indicators
Account balance	45,000	42,670
Acquired | Risk rated 7 at acquisition | Residential Real Estate | First Lien-Investment
Credit quality indicators
Account balance	476,603	1,069,048
Acquired | Risk rated 7 at acquisition | Residential Real Estate | First Lien-Owner Occupied
Credit quality indicators
Account balance	1,550,098	1,491,443
Acquired | Risk rated 7 at acquisition | Residential Real Estate | Residential Land and A&D
Credit quality indicators
Account balance	467,004	812,364
Acquired | Risk rated 7 at acquisition | Commercial
Credit quality indicators
Account balance	$ 75,701	$ 953,370

Loans and Allowance for Loan 67

Loans and Allowance for Loan Losses - Activity in the allowance for loan losses by portfolio segment - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Activity in the allowance for loan losses
Beginning balance	$ 4,909,818	$ 4,281,835
General provision for loan losses	1,584,542	1,310,984
Recoveries	111,276	210,101
Allowance for loan losses before charge offs	6,605,636	5,802,920
Loans charged off	(410,167)	(893,102)
Ending Balance	6,195,469	4,909,818
Amount allocated to:
Ending balance	4,909,818	4,281,835	$ 6,195,469	$ 4,909,818
Legacy
Activity in the allowance for loan losses
Beginning balance	4,821,214
Ending Balance	6,084,478	4,821,214
Amount allocated to:
Individually evaluated for impairment			1,282,015	724,534
Other loans not individually evaluated			4,802,463	4,096,680
Ending balance	4,821,214	4,821,214	6,084,478	4,821,214
Acquired
Activity in the allowance for loan losses
Beginning balance	88,604
Ending Balance	110,991	88,604
Amount allocated to:
Individually evaluated for impairment			110,991	88,604
Ending balance	88,604	88,604	110,991	88,604
Commercial
Activity in the allowance for loan losses
Beginning balance	1,161,318	696,371
General provision for loan losses	172,059	675,598
Recoveries	43,330	16,068
Allowance for loan losses before charge offs	1,376,707	1,388,037
Loans charged off	(4,472)	(226,719)
Ending Balance	1,372,235	1,161,318
Amount allocated to:
Ending balance	1,161,318	696,371	1,372,235	1,161,318
Commercial | Legacy
Amount allocated to:
Individually evaluated for impairment			609,152	605,336
Other loans not individually evaluated			735,876	555,982
Commercial | Acquired
Amount allocated to:
Individually evaluated for impairment			27,207
Commercial Real Estate
Activity in the allowance for loan losses
Beginning balance	3,053,925	2,558,368
General provision for loan losses	936,227	495,537
Recoveries		20
Allowance for loan losses before charge offs	3,990,152	3,053,925
Ending Balance	3,990,152	3,053,925
Amount allocated to:
Ending balance	3,053,925	2,558,368	3,990,152	3,053,925
Commercial Real Estate | Legacy
Amount allocated to:
Individually evaluated for impairment			611,498	119,198
Other loans not individually evaluated			3,378,654	2,934,727
Residential Real Estate
Activity in the allowance for loan losses
Beginning balance	682,962	926,995
General provision for loan losses	486,935	282,398
Recoveries	49,464	135,908
Allowance for loan losses before charge offs	1,219,361	1,345,301
Loans charged off	(395,841)	(662,339)
Ending Balance	823,520	682,962
Amount allocated to:
Ending balance	682,962	926,995	823,520	682,962
Residential Real Estate | Legacy
Amount allocated to:
Individually evaluated for impairment			61,365
Other loans not individually evaluated			678,371	594,358
Residential Real Estate | Acquired
Amount allocated to:
Individually evaluated for impairment			83,784	88,604
Consumer
Activity in the allowance for loan losses
Beginning balance	11,613	100,101
General provision for loan losses	(10,679)	(142,549)
Recoveries	18,482	58,105
Allowance for loan losses before charge offs	19,416	15,657
Loans charged off	(9,854)	(4,044)
Ending Balance	9,562	11,613
Amount allocated to:
Ending balance	$ 11,613	$ 100,101	9,562	11,613
Consumer | Legacy
Amount allocated to:
Other loans not individually evaluated			$ 9,562	$ 11,613

Loans and Allowance for Loan 68

Loans and Allowance for Loan Losses - Recorded investment in loans - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Ending balance	$ 1,366,113,264	$ 1,150,670,000
Commercial
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Ending balance	141,993,464	115,482,698
Commercial Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Ending balance	953,915,995	767,646,422
Residential Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Ending balance	265,194,930	260,665,765
Consumer
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Ending balance	5,008,875	6,875,115
Legacy
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	5,412,145	3,192,469
Individually evaluated for impairment without specific reserve	2,845,790	2,864,971
Other loans not individually evaluated	1,168,974,426	906,902,716
Ending balance	1,177,232,361	912,960,157
Legacy | Commercial
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	1,016,479	1,039,255
Individually evaluated for impairment without specific reserve	843,809	2,186,966
Other loans not individually evaluated	134,399,272	102,737,011
Legacy | Commercial Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	4,083,605	2,153,214
Individually evaluated for impairment without specific reserve	1,779,744	575,562
Other loans not individually evaluated	839,304,990	631,640,146
Legacy | Residential Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	312,061
Individually evaluated for impairment without specific reserve	222,237	102,443
Other loans not individually evaluated	190,401,255	165,894,248
Legacy | Consumer
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Other loans not individually evaluated	4,868,909	6,631,311
Ending balance	4,868,909	6,631,311
Acquired
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	227,877	219,225
Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)	970,851	779,944
Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)	7,558,414	10,675,943
Collectively evaluated for impairment without reserve	180,123,761	226,034,732
Ending balance	188,880,903	237,709,843
Acquired | Commercial
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	76,243
Collectively evaluated for impairment without reserve	5,657,661	9,519,466
Acquired | Commercial Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve	151,634
Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)	91,669	261,700
Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)	4,632,885	6,634,318
Collectively evaluated for impairment without reserve	103,871,468	126,381,482
Acquired | Residential Real Estate
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Individually evaluated for impairment with specific reserve		219,225
Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)	879,182	518,244
Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)	2,925,529	4,041,625
Collectively evaluated for impairment without reserve	70,454,666	89,889,980
Acquired | Consumer
Recorded investment in loans related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of impairment methodology
Collectively evaluated for impairment without reserve	139,966	243,804
Ending balance	$ 139,966	$ 243,804

Loans and Allowance for Loan 69

Loans and Allowance for Loan Losses - Maturity and rate re pricing distribution of the loan portfolio - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Loans and Allowance for Loan Losses
Within one year	$ 310,405,004	$ 294,941,852
Over one to five years	683,085,446	594,825,353
Over five years	372,622,814	260,902,795
Total loans	1,366,113,264	$ 1,150,670,000
Loans pledged to support Federal Home Loan Bank borrowings	$ 225,600,000

Equity Securities (Details)

Equity Securities (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Equity securities
Total equity securities	$ 8,303,347	$ 4,942,346
Atlantic Central Bankers Bank stock
Equity securities
Total equity securities	219,500	219,500
Federal Home Loan Bank stock
Equity securities
Total equity securities	7,727,600	4,366,600
ICMA Stock
Equity securities
Total equity securities	1,750	1,750
Maryland Financial Bank stock
Equity securities
Total equity securities	152,497	152,496
Investment In Maryland Statutory Trust
Equity securities
Total equity securities	$ 202,000	$ 202,000

Pointer Ridge Office Investme71

Pointer Ridge Office Investment, LLC (Details)	Sep. 02, 2016USD ($)	Jul. 31, 2016	Dec. 31, 2016USD ($)ft²	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Aug. 31, 2016	Dec. 31, 2013USD ($)
Pointer Ridge Office Investment, LLC
Repayment of principal amount of promissory note issued by Pointer Ridge	$ 5,800,000
Condensed Balance Sheets
Liabilities			$ 1,558,352,845	$ 1,366,100,000
Equity			150,666,785	143,988,889	$ 135,526,637		$ 126,549,318
Condensed Statements of Income
Net income			$ 13,155,159	10,464,434	7,092,711
Pointer Ridge
Pointer Ridge Office Investment, LLC
Ownership percentage		62.50%	100.00%
Minority ownership percentage purchased						37.50%
Repayment of principal amount of promissory note issued by Pointer Ridge	$ 5,800,000
Area of Real Estate Property | ft²			40,000
Percentage of building area leased			98
Condensed Balance Sheets
Current assets			$ 257,438	281,441	269,314
Non-current assets			6,164,486	6,281,601	6,433,380
Liabilities			13,974	5,874,560	6,003,139
Equity			6,407,950	688,484	699,555
Condensed Statements of Income
Revenue			679,293	985,480	944,022
Expenses			843,563	996,552	1,044,261
Net income			$ (164,270)	$ (11,072)	$ (100,239)

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment
Gross premises and equipment	$ 47,825,621	$ 49,635,039
Accumulated depreciation	11,080,917	13,460,061
Net premises and equipment	36,744,704	36,174,978
Depreciation expense	2,248,205	2,134,286
Land
Premises and equipment
Gross premises and equipment	5,207,030	5,825,061
Buildings
Premises and equipment
Gross premises and equipment	27,854,975	29,662,308
Leasehold improvements
Premises and equipment
Gross premises and equipment	6,745,221	5,870,113
Furniture and equipment
Premises and equipment
Gross premises and equipment	$ 8,018,395	$ 8,277,557

Deposits (Details)

Deposits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Major classifications of interest bearing deposits
Money market and NOW	$ 433,195,434	$ 367,238,001
Savings	100,758,813	96,629,323
Time deposits that meet or exceed the FDIC insured limit	75,931,295	59,932,692
Other time deposits	384,663,727	383,530,545
Interest bearing deposits	994,549,269	907,330,561
Maturities of time deposit
Within three months	68,951,740	72,207,928
Over three to twelve months	182,481,109	148,980,683
Over one to three years	125,289,678	144,518,165
Over three to five years	83,872,495	77,756,461
Total	460,595,022	443,463,237
Components of Interest on deposits
Money market and NOW	1,014,981	723,666	$ 715,626
Savings	122,270	111,385	137,903
Other time deposits	4,371,582	3,411,939	2,548,093
Interest on deposits	$ 5,508,833	$ 4,246,990	$ 3,401,622

Short Term Borrowings (Details)

Short Term Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Short term borrowings
Repurchase agreements	$ 33,400,000
Book values of securities pledged as collateral for repurchase agreements	52,500,000
Market values of US Government and mortgage-backed securities pledged as collateral for repurchase agreements	50,700,000
Short term borrowings	183,433,892	$ 107,557,246
Average for the year	169,138,208	95,359,224
Maximum Amount Borrowed During Any Month End Period	250,880,864	187,557,246
Repurchase agreements
Short term borrowings
Short term borrowings	$ 33,433,892	$ 33,557,246
Interest rate (as a percent)	0.47%	0.17%
Average for the year	$ 30,573,019	$ 29,038,197
Average interest rate for the year (as a percent)	0.47%	0.17%
Maximum Amount Borrowed During Any Month End Period	$ 33,880,864	$ 33,557,246
FHLB daily rate advances
Short term borrowings
Short term borrowings	$ 30,000,000	$ 34,000,000
Interest rate (as a percent)	0.80%	0.49%
Average for the year	$ 32,263,661	$ 18,756,567
Average interest rate for the year (as a percent)	0.64%	0.38%
Maximum Amount Borrowed During Any Month End Period	$ 54,000,000	$ 64,000,000
FHLB adjustable rate advances
Short term borrowings
Short term borrowings		$ 3,000,000
Interest rate (as a percent)		0.38%
Average for the year	$ 1,478,698	$ 504,734
Average interest rate for the year (as a percent)	0.59%	0.36%
Maximum Amount Borrowed During Any Month End Period	$ 4,000,000	$ 2,500,000
FHLB fixed rate advances
Short term borrowings
Short term borrowings	$ 120,000,000	$ 37,000,000
Interest rate (as a percent)	0.61%	0.39%
Average for the year	$ 104,822,830	$ 47,059,726
Average interest rate for the year (as a percent)	0.39%	0.21%
Maximum Amount Borrowed During Any Month End Period	$ 159,000,000	$ 87,500,000
Bancshares (Parent Company) | Line of credit
Short term borrowings
Maximum borrowing capacity	5,000,000
Old Line Bank | Line of credit
Short term borrowings
Maximum borrowing capacity	33,500,000
Old Line Bank | Line of credit | FHLB
Short term borrowings
Additional secured line of credit from the (FHLB)	493,800,000
Value of collateral provided	225,600,000
Amount borrowed from FHLB	150,000,000
Additional available borrowing capacity from FHLB	$ 75,600,000

Long Term Borrowings (Details)

Long Term Borrowings (Details) - USD ($)	Sep. 02, 2016	Dec. 31, 2016	Dec. 31, 2015	Dec. 04, 2015
Long term borrowings
Long-term Debt		$ 37,842,567	$ 9,593,318
Repayment of principal amount of promissory note issued by Pointer Ridge	$ 5,800,000
Issuance cost		(1,257,411)	(1,274,533)
Average for the year		19,249,786	6,211,729
Principal payments on long term debt obligations
2,026		33,968,563
over 10 years		3,874,004
Pointer Ridge
Long term borrowings
Ownership percentage	100.00%
Senior note | Pointer Ridge
Long term borrowings
Long-term Debt			$ 5,874,560
Interest rate (as a percent)			6.28%
Average for the year		$ 3,887,114	$ 5,926,602
Average rate for the year		6.28%	6.28%
Subordinated Debt.
Long term borrowings
Long-term Debt		$ 3,874,004	$ 3,718,758
Interest rate (as a percent)		3.34%	2.71%
Stock on subordinated debentures		$ 202,000	$ 202,000
5.625% Fixed-to-Floating Rate Subordinated Notes due 2016
Long term borrowings
Long-term Debt		35,000,000
Discount		(505,151)
Issuance cost		(526,286)
Subordinated Debt		33,968,563
Average for the year		$ 11,605,039
Average rate for the year		5.625%
Trust preferred subordinated debentures
Long term borrowings
Interest rate (as a percent)			3.18%
Average for the year		$ 3,757,633	$ 285,127
Average rate for the year		9.38%
Regal Bancorp Inc.
Long term borrowings
Subordinated Debt				$ 3,716,838
Regal Bancorp Inc. | Trust 1 Floating 90-day Libor plus 2.85 , due 2034
Long term borrowings
Long-term Debt		$ 4,000,000	4,000,000
Fair value adjustment		$ (1,558,946)	$ (1,647,400)
Interest rate (as a percent)		3.82%	3.18%
Regal Bancorp Inc. | Trust 2 Floating 90-day LIBOR plus 1.60 %, due 2035
Long term borrowings
Long-term Debt		$ 2,500,000	$ 2,500,000
Fair value adjustment		$ (1,269,050)	$ (1,335,842)
Interest rate (as a percent)		2.57%	1.94%

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Aug. 31, 2016	Aug. 19, 2016	Nov. 01, 2008	Oct. 31, 2008
Related Party Transactions
Amounts paid to related parties	$ 282,602	$ 276,618	$ 275,530
Directors, executive officers and their affiliated companies
Related Party Transactions
Related party deposits liability	10,337,238	9,421,751
Changes in amounts of loans outstanding to directors and executive officers or their affiliated companies
Balance at beginning of year	2,471,949	792,900
Additions	710,572	1,848,429
Repayments	(482,434)	(169,380)
Balance at end of year	2,700,087	2,471,949	792,900
Unused commitments	$ 124,536
Lucente Enterprises, Inc. | Director
Related Party Transactions
Percentage of ownership interest	52.00%
Pointer Ridge
Related Party Transactions
Ownership percentage acquired					37.50%
Minority ownership percentage purchased				37.50%
Percentage of ownership interest						62.50%	50.00%
Lease payments made	$ 653,380	$ 897,333	$ 794,453
Pointer Ridge | Chesapeake Custom Homes, L.L.C.
Related Party Transactions
Minority ownership percentage purchased						12.50%
Book value of membership interest acquired						$ 205,000
Pointer Ridge | Lucente Enterprises, Inc.
Related Party Transactions
Percentage of ownership interest					12.50%

Income Taxes - Components of de

Income Taxes - Components of deferred income taxes - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Current
Federal	$ (2,421,114)	$ 2,221,756	$ 4,598,625
State	1,724,355	664,113	202,791
Current	(696,759)	2,885,869	4,801,416
Deferred
Federal	7,556,701	1,993,829	(2,551,506)
Deferred State and Local Income Tax Expense (Benefit)	(47,344)	502,692	444,194
Deferred	7,509,357	2,496,521	(2,107,312)
Income tax expense	6,812,598	5,382,390	2,694,104
Bancshares (Parent Company)
Deferred
Income tax expense	$ (885,393)	$ (184,871)	$ (203,472)

Income Taxes - Components of ne

Income Taxes - Components of net deferred tax asset - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets
Allowance for loan losses	$ 2,323,236	$ 3,019,305
Non-accrual interest	205,703	134,435
Impairment losses and expenses on other real estate owned	348,617	429,483
Director stock options	8,684	6,667
Deferred compensation plans	2,130,082	2,043,773
Net operating loss carryover	5,698,994	7,628,214
AMT Credit Carryover		1,764,687
Fair value adjustments for acquired assets and liabilities	3,787,101	4,848,713
Investment impairment loss		48,320
Non-compete agreements	85,136	94,340
Other	(28,756)	2,077,428
Net unrealized loss on securities available for sale	3,242,175	(24,883)
Deferred tax assets	17,800,972	22,070,482
Deferred tax liabilities
Deferred loan origination costs, net	473,598	219,033
Depreciation	2,973,744	2,927,779
Core deposit intangible amortization	1,388,630	1,716,341
Deferred tax liabilities	4,835,972	4,863,153
Net deferred tax asset before valuation allowance	12,965,000	17,207,329
Valuation allowance for deferred tax asset	(3,386,650)	(3,386,650)
Net deferred tax asset	$ 9,578,350	$ 13,820,679

Income Taxes - Valuation allowa

Income Taxes - Valuation allowance - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income taxes
Unrecognized tax benefit	$ 0	$ 0
Reconciliation of the differences between the federal income tax rate and effective tax rate
Statutory federal income tax rate (as a percent)	34.00%	34.00%	34.00%
Increase (decrease) resulting from
State income taxes, net of federal income tax benefit (as a percent)	5.30%	4.70%	4.30%
Bank owned life insurance (as a percent)	(1.90%)	(1.90%)	(2.90%)
Other tax exempt income (as a percent)	(5.00%)	(5.70%)	(9.10%)
Stock based compensation awards (as a percent)	0.70%	0.60%	0.60%
Other non-deductible expenses (as a percent)	0.80%	1.20%	0.50%
Reduction of valuation allowance for deferred tax asset (as a percent)	0.20%	1.00%
Effective tax rate (as a percent)	34.10%	33.90%	27.40%
Maryland Bankcorp
Income taxes
NOL carryovers	$ 3,540,000
Net operating loss deducted in the year	779,812
WSB Holdings, Inc.
Income taxes
Net operating loss deducted in the year	1,477,746
WSB Holdings, Inc. | 2033
Income taxes
NOL carryovers	12,100,000
Regal Bancorp Inc.
Income taxes
Net operating loss deducted in the year	182,620
Increase in deferred tax asset on acquisition	3,600,000
Regal Bancorp Inc. | 2035
Income taxes
NOL carryovers	$ 8,700,000

Employee Benefits (Details)

Employee Benefits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Employee stock ownership plan
Pension plan liability	$ 5,613,799	$ 5,336,509
Employees contribution under 401(k) (as a percent)	4.00%
Employer's contributions to the plan	$ 599,395	506,325	$ 474,028
Accrued liability for SERPs	5,600,000	5,300,000
Expenses recognized for SERPs	$ 649,244	$ 617,888	$ 535,331
MB&T | KSOP
Employee stock ownership plan
Number of shares under the employee stock ownership plan	32,949
MB&T | Certificates of Deposit | KSOP
Employee stock ownership plan
Plan assets owned	$ 19,127
MB&T | Money market account | KSOP
Employee stock ownership plan
Plan assets owned	$ 19,268

Employee Benefits - Stock optio

Employee Benefits - Stock options - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Stock based compensation
Intrinsic value of the options exercised by directors and officers	$ 830,962	$ 411,743	$ 113,230
Share-based Compensation Award, Tranche Two [Member]
Stock based compensation
Vesting period	5 years
2010 Equity Incentive Plan
Stock based compensation
Term from the date of issuance	10 years
Increased shares after amendment approval by stockholders	450,000
Shares available for future issuance	332,161
2010 Equity Incentive Plan | Share-based Compensation Award, Tranche One [Member]
Stock based compensation
Vesting period	2 years
2010 Equity Incentive Plan | Share-based Compensation Award, Tranche Three [Member]
Stock based compensation
Vesting period	3 years
Stock options
Number of shares
Outstanding, beginning of year (in shares)	368,956	393,162	362,983
Options granted (in shares)	58,926	50,594	50,739
Options exercised (in shares)	(66,894)	(74,800)	(20,560)
Outstanding, end of year (in shares)	360,988	368,956	393,162
Weighted average exercise price
Outstanding, beginning of year (in dollars per share)	$ 10.67	$ 10.14	$ 9.19
Options granted (in dollars per share)	17.75	14.38	16.76
Options exercised (in dollars per share)	9.52	10.34	9.65
Outstanding, end of year (in dollars per share)	$ 12.04	$ 10.67	$ 10.14

Employee Benefits - Options by

Employee Benefits - Options by range of exercise price - (Details)	12 Months Ended
	Dec. 31, 2016USD ($)$ / sharesshares
Outstanding Options
Number of shares at the end of the period | shares	360,988
Weighted average remaining years	5 years 8 months 19 days
Weighted average exercise price (in dollars per share)	$ 12.04
Exercisable options
Number of shares at the end of the period | shares	264,882
Weighted average exercise price (in dollars per share)	$ 10.35
Intrinsic value of outstanding options and exercisable options
Intrinsic value of vested exercisable options where the market value exceeds the exercise price (in dollars) | $	$ 3,609,541
Intrinsic value of outstanding options where the market value exceeds the exercise price (in dollars) | $	$ 4,310,249
$6.30 - 10.85
Information related to options
Range of exercise prices, low end of the range (in dollars per share)	$ 6.30
Range of exercise prices, high end of the range (in dollars per share)	$ 10.85
Outstanding Options
Number of shares at the end of the period | shares	153,337
Weighted average remaining years	3 years 15 days
Weighted average exercise price (in dollars per share)	$ 7.62
Exercisable options
Number of shares at the end of the period | shares	153,337
Weighted average exercise price (in dollars per share)	$ 7.62
$10.85 - 16.76
Information related to options
Range of exercise prices, low end of the range (in dollars per share)	10.85
Range of exercise prices, high end of the range (in dollars per share)	$ 16.76
Outstanding Options
Number of shares at the end of the period | shares	148,725
Weighted average remaining years	7 years 1 month 17 days
Weighted average exercise price (in dollars per share)	$ 14.34
Exercisable options
Number of shares at the end of the period | shares	111,545
Weighted average exercise price (in dollars per share)	$ 14.12
$16.77 - 17.75
Information related to options
Range of exercise prices, low end of the range (in dollars per share)	16.77
Range of exercise prices, high end of the range (in dollars per share)	$ 17.75
Outstanding Options
Number of shares at the end of the period | shares	42,126
Weighted average remaining years	9 years 1 month 28 days
Weighted average exercise price (in dollars per share)	$ 17.75
$17.75 - 17.75
Information related to options
Range of exercise prices, low end of the range (in dollars per share)	17.75
Range of exercise prices, high end of the range (in dollars per share)	$ 17.75
Outstanding Options
Number of shares at the end of the period | shares	16,800
Weighted average remaining years	9 years 4 days
Weighted average exercise price (in dollars per share)	$ 17.75

Employee Benefits - Fair values

Employee Benefits - Fair values of the options - (Details) - Stock options - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Employee benefits
Unrecognized compensation cost related to non-vested stock options	$ 959,073
Period over which unrecognized compensation cost is expected to be realized	3 years
Fair values of the options granted and weighted-average assumptions used to calculate the fair values
Expected dividends (as a percent)	1.00%	1.00%	1.00%
Risk free interest rate (as a percent)	1.75%	0.39%	0.39%
Expected volatility (as a percent)	25.28%	30.76%	30.60%
Weighted average volatility (as a percent)	15.91%	10.65%	10.13%
Weighted average fair value of options granted (in dollars per share)	$ 5.40	$ 5.09	$ 2.63
Minimum
Fair values of the options granted and weighted-average assumptions used to calculate the fair values
Expected life in years	4 years 8 months 5 days	5 years 6 months	5 years 6 months
Maximum
Fair values of the options granted and weighted-average assumptions used to calculate the fair values
Expected life in years	5 years 8 months 19 days	6 years	6 years

Employee Benefits - Summary of

Employee Benefits - Summary of the restricted stock awards - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Restricted stock
Employee benefits
Unrecognized compensation cost related to non-vested restricted stock awards	$ 1,100,000
Period over which unrecognized compensation cost is expected to be realized	3 years
Number of shares
Nonvested, beginning of period (in shares)	27,878	8,522	9,436
Restricted stock granted (in shares)	36,461	30,725	8,257
Restricted stock vested (in shares)	10,188	11,369	9,171
Nonvested, end of period (in shares)	54,151	27,878	8,522
Weighted average grant date fair value
Nonvested, beginning of period (in dollars per share)	$ 15.52	$ 13.35	$ 9.57
Restricted stock granted (in dollars per share)	18.20	15.31	16.76
Restricted stock vested (in dollars per share)	15.63	11.19	12.53
Nonvested, end of period (in dollars per share)	$ 17.30	$ 15.52	$ 13.35
Additional disclosures
Total fair value of shares vested (in dollars)	$ 194,589	$ 148,630	$ 114,878
Intrinsic value of non-vested restricted stock awards where the market value exceeds the exercise price (in dollars)	361,506	489,816	134,818
Intrinsic value of vested restricted stock awards where the market value exceeds the exercise price (in dollars)	$ 819,472	$ 199,753	$ 145,085
Restricted stock | Vesting Date, 02/25/2017
Number of shares
Restricted stock vested (in shares)	11,931
Restricted stock | Vesting Date,07/02/2017
Number of shares
Restricted stock vested (in shares)	7,132
Restricted stock | Vesting Date, 07/08/2017
Number of shares
Restricted stock vested (in shares)	7,524
Restricted stock | Vesting Date, 02/25/2018
Number of shares
Restricted stock vested (in shares)	3,535
Restricted stock | Vesting Date, 07/02/2018
Number of shares
Restricted stock vested (in shares)	7,137
Restricted stock | Vesting Date, 07/08/2018
Number of shares
Restricted stock vested (in shares)	7,531
Restricted stock | Vesting Date, 02/24/2019
Number of shares
Restricted stock vested (in shares)	1,824
Restricted stock | Vesting Date, 07/08/2019
Number of shares
Restricted stock vested (in shares)	7,537
2010 Equity Incentive Plan
Number of shares
Restricted stock granted (in shares)	36,461

Capital Standards (Details)

Capital Standards (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Actual Amount
Total capital (to risk weighted assets)	$ 183,168	$ 131,803
Tier 1 capital (to risk weighted assets)	141,921	126,670
Tier 1 capital (to average assets)	141,921	126,670
Common Equity Tier 1 (to risk-weighted assets)	$ 138,047	$ 126,670
Actual Ratio
Total capital (to risk weighted assets) (as a percent)	12.30%	11.10%
Tier 1 capital (to risk weighted assets) (as a percent)	9.50%	10.70%
Tier 1 capital (to average assets) (as a percent)	8.60%	9.10%
Common Equity Tier 1 (to risk-weighted assets)	9.20%	10.70%
Minimum capital adequacy, Amount
Total capital (to risk weighted assets)	$ 119,410	$ 95,185
Tier 1 capital (to risk weighted assets)	89,558	71,389
Tier 1 capital (to average assets)	66,369	55,600
Common Equity Tier 1 (to risk-weighted assets)	$ 67,168	$ 53,542
Minimum capital adequacy, Ratio
Total capital (to risk weighted assets) (as a percent)	8.00%	8.00%
Tier 1 capital (to risk weighted assets) (as a percent)	6.00%	6.00%
Tier 1 capital (to average assets) (as a percent)	4.00%	4.00%
Common Equity Tier 1 (to risk-weighted assets)	4.50%	4.50%
To be well capitalized, Amount
Total capital (to risk weighted assets)	$ 149,263	$ 118,982
Tier 1 capital (to risk weighted assets)	119,410	95,185
Tier 1 capital (to average assets)	82,961	69,500
Common Equity Tier 1 (to risk-weighted assets)	$ 97,021	$ 77,338
To be well capitalized, Ratio
Total capital (to risk weighted assets) (as a percent)	10.00%	10.00%
Tier 1 capital (to risk weighted assets) (as a percent)	8.00%	8.00%
Tier 1 capital (to average assets) (as a percent)	5.00%	5.00%
Common Equity Tier 1 (to risk-weighted assets)	6.50%	6.50%
Old Line Bank
Actual Amount
Total capital (to risk weighted assets)	$ 171,617	$ 133,780
Tier 1 capital (to risk weighted assets)	165,370	128,648
Tier 1 capital (to average assets)	165,370	128,648
Common Equity Tier 1 (to risk-weighted assets)	$ 165,370	$ 128,648
Actual Ratio
Total capital (to risk weighted assets) (as a percent)	11.50%	11.30%
Tier 1 capital (to risk weighted assets) (as a percent)	11.10%	10.80%
Tier 1 capital (to average assets) (as a percent)	10.00%	9.30%
Common Equity Tier 1 (to risk-weighted assets)	11.10%	10.80%
Minimum capital adequacy, Amount
Total capital (to risk weighted assets)	$ 118,941	$ 95,062
Tier 1 capital (to risk weighted assets)	89,205	71,297
Tier 1 capital (to average assets)	66,213	55,600
Common Equity Tier 1 (to risk-weighted assets)	$ 66,904	$ 53,473
Minimum capital adequacy, Ratio
Total capital (to risk weighted assets) (as a percent)	8.00%	8.00%
Tier 1 capital (to risk weighted assets) (as a percent)	6.00%	6.00%
Tier 1 capital (to average assets) (as a percent)	4.00%	4.00%
Common Equity Tier 1 (to risk-weighted assets)	4.50%	4.50%
To be well capitalized, Amount
Total capital (to risk weighted assets)	$ 148,676	$ 118,828
Tier 1 capital (to risk weighted assets)	118,941	95,062
Tier 1 capital (to average assets)	82,766	69,500
Common Equity Tier 1 (to risk-weighted assets)	$ 96,639	$ 77,238
To be well capitalized, Ratio
Total capital (to risk weighted assets) (as a percent)	10.00%	10.00%
Tier 1 capital (to risk weighted assets) (as a percent)	8.00%	8.00%
Tier 1 capital (to average assets) (as a percent)	5.00%	5.00%
Common Equity Tier 1 (to risk-weighted assets)	6.50%	6.50%

Commitments and Contingencies -

Commitments and Contingencies - Commitments to extend credit and available credit lines - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Commitments
Reserve for loans sold in the secondary market with recourse obligations	$ 19,547,000	$ 22,461,000	$ 23,449,000
Reserve for unfunded portion of loan commitments	51,808,000	222,729,000	$ 195,219,000
Commitments to extend credit
Commitments
Commitments to extend credit and available credit lines	252,628,799	145,530,928
Commitments to extend credit | Commercial
Commitments
Commitments to extend credit and available credit lines	92,262,530	82,874,665
Commitments to extend credit | Commercial Real Estate
Commitments
Commitments to extend credit and available credit lines	134,944,015	43,078,641
Commitments to extend credit | Consumer
Commitments
Commitments to extend credit and available credit lines	25,422,254	19,577,622
Standby letters of credit
Commitments
Commitments to extend credit and available credit lines	$ 18,907,384	$ 17,442,148

Commitments and Contingencies87

Commitments and Contingencies - Lease locations - (Details)	12 Months Ended
	Dec. 31, 2016item
Branch
Lease commitments
Number of assets leased from parties	16
Loan production offices
Lease commitments
Number of assets leased from parties	6
Pointer Ridge
Lease commitments
Percentage of lease commitments eliminated in consolidation	62.50%

Commitments and Contingencies88

Commitments and Contingencies - Future minimum lease commitments - (Details) - USD ($)	Sep. 02, 2016	Aug. 25, 2006	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Aug. 19, 2016
Future minimum lease commitments under the operating leases
2,017			$ 2,118,000
2,018			1,893,000
2,019			1,527,000
2,020			1,110,000
2,021			922,000
Remaining			4,496,000
Future minimum lease commitments			12,066,000
Rent expense			$ 2,056,401	$ 1,746,170	$ 2,066,656
Pointer Ridge
Future minimum lease commitments under the operating leases
Original principal amount		$ 6,600,000
Ownership percentage acquired						37.50%
Principal amount of promissory note paid off	$ 5,800,000
Percentage of assets leased from party		95.00%

Fair Value Measurement (Details

Fair Value Measurement (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2014	Dec. 31, 2015
Assets and liabilities measured at fair value
Gain on the sale of equity securities		$ 96,993
Fair Value Assets transfers amount	$ 0		$ 0
Fair Value liabilities transfers amount	0		0
Available-for-sale	199,505,204		194,705,675
U. S. treasury
Assets and liabilities measured at fair value
Available-for-sale	2,995,782		3,000,000
U.S. government agency
Assets and liabilities measured at fair value
Available-for-sale	7,266,315		36,606,663
Corporate bond
Assets and liabilities measured at fair value
Available-for-sale	8,171,637
Municipal securities
Assets and liabilities measured at fair value
Available-for-sale	67,686,805		50,202,706
FHLMC certificates
Assets and liabilities measured at fair value
Available-for-sale			21,763,157
FNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	21,800,354		49,101,471
GNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	70,448,816		29,418,009
SBA loan pools
Assets and liabilities measured at fair value
Available-for-sale	21,135,495		4,613,669
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets and liabilities measured at fair value
Available-for-sale	2,996,000		3,000,000
Other Observable Inputs (Level 2)
Assets and liabilities measured at fair value
Available-for-sale	188,337,000		191,706,000
Significant Unobservable Inputs (Level 3)
Assets and liabilities measured at fair value
Available-for-sale	8,172,000
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Included in other comprehensive income	72,000
Purchases, issuances, sales and settlements	8,100,000
Balance ending	8,172,000
Carrying Value
Assets and liabilities measured at fair value
Available-for-sale	199,505,000		194,706,000
Recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets and liabilities measured at fair value
Available-for-sale	2,996,000		3,000,000
Recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U. S. treasury
Assets and liabilities measured at fair value
Available-for-sale	2,996,000		3,000,000
Recurring basis | Other Observable Inputs (Level 2)
Assets and liabilities measured at fair value
Available-for-sale	188,337,000		191,706,000
Recurring basis | Other Observable Inputs (Level 2) | U.S. government agency
Assets and liabilities measured at fair value
Available-for-sale	7,266,000		36,607,000
Recurring basis | Other Observable Inputs (Level 2) | Municipal securities
Assets and liabilities measured at fair value
Available-for-sale	67,687,000		50,203,000
Recurring basis | Other Observable Inputs (Level 2) | FHLMC certificates
Assets and liabilities measured at fair value
Available-for-sale	21,800,000		21,763,000
Recurring basis | Other Observable Inputs (Level 2) | FNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	70,449,000		49,101,000
Recurring basis | Other Observable Inputs (Level 2) | GNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	21,135,000		29,418,000
Recurring basis | Other Observable Inputs (Level 2) | SBA loan pools
Assets and liabilities measured at fair value
Available-for-sale			4,614,000
Recurring basis | Significant Unobservable Inputs (Level 3)
Assets and liabilities measured at fair value
Available-for-sale	8,172
Recurring basis | Significant Unobservable Inputs (Level 3) | Corporate bond
Assets and liabilities measured at fair value
Available-for-sale	8,172
Recurring basis | Carrying Value
Assets and liabilities measured at fair value
Available-for-sale	199,505,000		194,706,000
Recurring basis | Carrying Value | U. S. treasury
Assets and liabilities measured at fair value
Available-for-sale	2,996,000		3,000,000
Recurring basis | Carrying Value | U.S. government agency
Assets and liabilities measured at fair value
Available-for-sale	7,266,000		36,607,000
Recurring basis | Carrying Value | Corporate bond
Assets and liabilities measured at fair value
Available-for-sale	8,172,000
Recurring basis | Carrying Value | Municipal securities
Assets and liabilities measured at fair value
Available-for-sale	67,687,000		50,203,000
Recurring basis | Carrying Value | FHLMC certificates
Assets and liabilities measured at fair value
Available-for-sale	21,800,000		21,763,000
Recurring basis | Carrying Value | FNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	70,449,000		49,101,000
Recurring basis | Carrying Value | GNMA certificates
Assets and liabilities measured at fair value
Available-for-sale	$ 21,135,000		29,418,000
Recurring basis | Carrying Value | SBA loan pools
Assets and liabilities measured at fair value
Available-for-sale			$ 4,614,000

Fair Value Measurement - Assets

Fair Value Measurement - Assets measured at fair value on a nonrecurring basis - (Details)	12 Months Ended
	Dec. 31, 2016USD ($)item	Dec. 31, 2015USD ($)
Assets and liabilities measured at fair value
Impaired Loans	$ 9,456,664	$ 7,056,609
Additional disclosures
Number of components in which the other real estate owned were segmented | item	2
Legacy
Assets and liabilities measured at fair value
Impaired Loans	$ 8,257,935	6,057,441
Acquired
Assets and liabilities measured at fair value
Impaired Loans	$ 1,198,729	999,168
Significant Unobservable Inputs (Level 3) | Minimum
Additional disclosures
Discounts (as a percent)	0.00%
Significant Unobservable Inputs (Level 3) | Maximum
Additional disclosures
Discounts (as a percent)	50.00%
Discounts in certain cases (as a percent)	75.00%
Nonrecurring basis | Significant Unobservable Inputs (Level 3)
Assets and liabilities measured at fair value
Impaired Loans	$ 8,064,000	7,291,000
Other real estate owned	2,746,000	2,472,000
Assets	10,810,000	9,763,000
Nonrecurring basis | Significant Unobservable Inputs (Level 3) | Legacy
Assets and liabilities measured at fair value
Impaired Loans	6,976,000	5,333,000
Other real estate owned	425,000	425,000
Nonrecurring basis | Significant Unobservable Inputs (Level 3) | Acquired
Assets and liabilities measured at fair value
Impaired Loans	1,088,000	1,958,000
Other real estate owned	2,321,000	2,047,000
Nonrecurring basis | Carrying Value
Assets and liabilities measured at fair value
Impaired Loans	8,064,000	7,291,000
Other real estate owned	2,746,000	2,472,000
Assets	10,810,000	9,763,000
Nonrecurring basis | Carrying Value | Legacy
Assets and liabilities measured at fair value
Impaired Loans	6,976,000	5,333,000
Other real estate owned	425,000	425,000
Nonrecurring basis | Carrying Value | Acquired
Assets and liabilities measured at fair value
Impaired Loans	1,088,000	1,958,000
Other real estate owned	$ 2,321,000	$ 2,047,000

Fair Value Measurement - Estima

Fair Value Measurement - Estimated fair value of financial instruments - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Assets:
Loans held-for-sale	$ 8,707,516	$ 8,277,775
Investment securities available for sale	199,505,204	194,705,675
Bank Owned Life Insurance	37,557,566	36,606,105
Accrued interest receivable	4,278,229	3,814,546
Liabilities:
Non-interest bearing	331,331,263	328,549,405
Interest bearing	994,549,269	907,330,561
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Cash and cash equivalents	23,463,000	43,701,000
Investment securities available for sale	2,996,000	3,000,000
Other Observable Inputs (Level 2)
Assets:
Loans held-for-sale	8,707,000	8,397,000
Investment securities available for sale	188,337,000	191,706,000
Equity securities at cost	8,303,000	4,942,000
Bank Owned Life Insurance	37,558,000	36,606,000
Accrued interest receivable	991,000	908,000
Liabilities:
Non-interest bearing	331,331,000	328,549,000
Interest bearing	998,489,000	908,356,000
Short term borrowings	183,434,000	107,557,000
Long term borrowings	37,843,000	9,593,000
Accrued interest payable	1,269,000	417,000
Significant Unobservable Inputs (Level 3)
Assets:
Loans receivable, net	1,364,361,000	1,153,976,000
Investment securities available for sale	8,172,000
Accrued interest receivable	3,287,000	2,907,000
Carrying Value
Assets:
Cash and cash equivalents	23,463,000	43,701,000
Loans receivable, net	1,361,175,000	1,147,035,000
Loans held-for-sale	8,418,000	8,112,000
Investment securities available for sale	199,505,000	194,706,000
Equity securities at cost	8,303,000	4,942,000
Bank Owned Life Insurance	37,558,000	36,606,000
Accrued interest receivable	4,278,000	3,815,000
Liabilities:
Non-interest bearing	331,331,000	328,549,000
Interest bearing	994,549,000	907,331,000
Short term borrowings	183,434,000	107,557,000
Long term borrowings	37,843,000	9,593,000
Accrued interest payable	1,269,000	417,000
Total Estimated Fair Value
Assets:
Cash and cash equivalents	23,463,000	43,701,000
Loans receivable, net	1,364,361,000	1,153,976,000
Loans held-for-sale	8,707,000	8,397,000
Investment securities available for sale	199,505,000	194,706,000
Equity securities at cost	8,303,000	4,942,000
Bank Owned Life Insurance	37,558,000	36,606,000
Accrued interest receivable	4,278,000	3,815,000
Liabilities:
Non-interest bearing	331,331,000	328,549,000
Interest bearing	998,489,000	908,356,000
Short term borrowings	183,434,000	107,557,000
Long term borrowings	37,843,000	9,593,000
Accrued interest payable	$ 1,269,000	$ 417,000

Other Operating Expenses (Detai

Other Operating Expenses (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Other Operating Expenses
Legal Expenses	$ 253,129	$ 337,033	$ 458,672
Pointer Ridge other operating	172,353	201,966	202,889
Professional Fees	439,954	285,267	317,922
Audit and Exam	504,167	423,878	429,543
Other	5,152,682	4,910,999	4,638,842
Total	$ 6,522,285	$ 6,159,143	$ 6,047,868

Parent Company-Condensed Fina93

Parent Company-Condensed Financial Information - Condensed Balance Sheets - (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 22,062,912	$ 40,239,384
Other assets	3,942,640	4,567,038
Total assets	1,709,019,630	1,510,088,889
Stockholders' equity
Common stock	109,109	108,026
Additional paid-in capital	106,692,958	105,293,606
Retained earnings	48,842,026	38,290,876
Accumulated other comprehensive income (loss)	(4,977,308)	38,200
Total Old Line Bancshares, Inc. stockholders’ equity	150,666,785	143,730,708
Total liabilities and stockholders' equity	1,709,019,630	1,510,088,889
Bancshares (Parent Company)
Assets
Cash and due from banks	5,441,189	268,607
Federal income taxes receivable	1,646,040	795,922
Other assets	18,965	107,717
Total assets	189,303,011	148,474,193
Liabilities and Stockholders' Equity
Accounts payable	793,659	1,026,647
Trust preferred subordinated debentures	3,874,004	3,716,838
Borrowings	33,968,563
Stockholders' equity
Common stock	109,109	108,026
Additional paid-in capital	106,692,958	105,293,606
Retained earnings	48,842,026	38,290,876
Accumulated other comprehensive income (loss)	(4,977,308)	38,200
Total Old Line Bancshares, Inc. stockholders’ equity	150,666,785	143,730,708
Total liabilities and stockholders' equity	189,303,011	148,474,193
Real Estate LLC
Assets
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	4,004,969	430,302
MD Statuory Trust
Assets
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	202,000	202,000
Old Line Bank
Assets
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	$ 177,989,848	$ 146,669,645

Parent Company-Condensed Fina94

Parent Company-Condensed Financial Information - Condensed Statements of Income - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income (expense)
Interest expense on loans	$ 56,031,146	$ 47,948,411	$ 41,723,378
Total interest income	60,464,540	51,452,794	45,603,246
Non-interest income (loss)	8,256,037	6,844,995	5,956,924
Non-interest expense	39,643,166	36,275,683	35,046,335
Income before income taxes	19,967,757	15,846,824	9,786,815
Income tax expense (benefit)	6,812,598	5,382,390	2,694,104
Bancshares (Parent Company)
Interest and dividend income (expense)
Dividend from Old Line Bank	2,603,947	2,245,508	1,941,777
Interest income on money market and certificates of deposit		1,581	10,109
Interest expense on trust preferred and subordinated debt	(1,166,298)
Interest expense on loans		(9,081)	(9,483)
Total interest income	1,437,649	2,238,008	1,942,403
Non-interest income (loss)	(102,630)	(6,920)	12,351
Non-interest expense	1,386,530	982,216	611,425
Income before income taxes	(51,511)	1,248,872	1,343,329
Income tax expense (benefit)	(885,393)	(184,871)	(203,472)
Net income before income loss from Old Line Bank	833,882	1,433,743	1,546,801
Undistributed net income of Old Line Bank	12,321,215	9,034,843	5,583,499
Net income	$ 13,155,097	$ 10,468,586	$ 7,130,300

Parent Company-Condensed Fina95

Parent Company-Condensed Financial Information - Statements of Cash Flows - (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net income	$ 13,155,159	$ 10,464,434	$ 7,092,711
Stock based compensation awards	562,672	418,419	336,652
Increase (decrease) in other liabilities	593,395	(1,531,062)	467,726
(Increase) decrease in other assets	624,397	(13,821)	4,512,293
Net cash provided by operating activities	20,356,688	14,002,256	10,206,801
Cash flows from investing activities
Cash and cash equivalents of acquired company		6,344,304
Net cash used in investing activities	(232,696,305)	(135,474,897)	(64,942,641)
Cash flows from financing activities
Acquisition cash consideration		(2,852,321)
Distributions on minority member(s)	(258,181)
Cash dividends paid-common stock	(2,603,947)	(2,245,508)	(1,941,777)
Net cash used in financing activities	192,102,096	139,768,597	51,082,276
Net increase (decrease) in cash and cash equivalents	(20,237,521)	18,295,956	(3,653,564)
Cash and cash equivalents at beginning of period	43,700,692	25,404,736	29,058,300
Cash and cash equivalents at end of period	23,463,171	43,700,692	25,404,736
Reconciliation of net income to net cash provided (used) by operating activities
Net income	13,155,159	10,464,434	7,092,711
Adjustments to reconcile net income to net cash provided by operating activities
Stock based compensation awards	562,672	418,419	336,652
Increase (decrease) in other liabilities	593,395	(1,531,062)	467,726
(Increase) decrease in other assets	624,397	(13,821)	4,512,293
Bancshares (Parent Company)
Cash flows from operating activities
Net income	13,155,097	10,468,586	7,130,300
Undistributed net income of Old Line Bank	(12,321,215)	(9,034,843)	(5,583,499)
Stock based compensation awards	562,672	418,419	336,652
(Income) loss from investment in real estate Pointer Ridge LLC	102,630	6,920	62,649
(Increase) decrease in Income tax receivable	(850,118)
Increase (decrease) in other liabilities	(75,822)	(212,192)	(874,776)
(Increase) decrease in other assets	88,752	294,811	385,754
Net cash provided by operating activities	661,996	1,941,701	1,457,080
Cash flows from investing activities
Cash and cash equivalents of acquired company		(2,646,577)
Purchase Pointer Ridge LLC	(3,677,297)
Cash to the bank	(23,756,314)
Net cash used in investing activities	(27,433,611)	(2,646,577)
Cash flows from financing activities
Proceeds from stock options exercised	837,763	815,843	277,161
Proceeds from issuance of common stock		(4,899,186)
Acquisition cash consideration		2,852,321
Subordinated debt	33,968,563
Distributions on minority member(s)	(258,181)
Cash dividends paid-common stock	(2,603,948)	(2,245,508)	(1,941,777)
Net cash used in financing activities	31,944,197	(3,476,530)	(1,664,616)
Net increase (decrease) in cash and cash equivalents	5,172,582	(4,181,406)	(207,536)
Cash and cash equivalents at beginning of period	268,607	4,450,013	4,657,549
Cash and cash equivalents at end of period	5,441,189	268,607	4,450,013
Reconciliation of net income to net cash provided (used) by operating activities
Net income	13,155,097	10,468,586	7,130,300
Adjustments to reconcile net income to net cash provided by operating activities
Undistributed net income of Old Line Bank	(12,321,215)	(9,034,843)	(5,583,499)
Stock based compensation awards	562,672	418,419	336,652
Increase (decrease) in other liabilities	(75,822)	(212,192)	(874,776)
(Increase) decrease in other assets	$ 88,752	$ 294,811	$ 385,754

Subsequent Events (Details)

Subsequent Events (Details) - Subsequent Event [Member] - DCB $ in Millions	Feb. 01, 2017USD ($)item
Subsequent Event [Line Items]
Consolidated assets | $	$ 311
Number of banking locations | item	6