Dogwood State Bank provides commercial and retail banking services primarily in Carteret and Craven Counties, Southeastern North Carolina. The company accepts checking accounts, money market deposits, regular savings, certificates of deposit, and individual retirement accounts. It also provides personal and business lines of credit; personal loans, such as automobile and truck loans, loans for new and used vehicles, boat and RV loans, and boat slip financing; real estate loans, including home construction loans, home improvement loans, investment rental homes, residential lot loans, residential second mortgage loans, and home equity lines; and business term loans. In addition, the company offers insurance products covering the areas of property and liability; workers compensation; lease equipment; damage and maintenance; group life, health, and disability; marine; bonds; life; homeowners; flood; automobile; umbrella liability; boats; rental property; condominiums; Medigap; long term care; mortgage protection; and annuities. Further, it provides retirement, investment, estate planning, overdraft, MasterCard CheckCard, online and telephone banking, bill pay, check imaging, mortgage, courier, convenience, cash management, and remote deposit capture services, as well as debit and credit cards. The company was formerly known as Sound Banking Company and changed its name to Dogwood State Bank in December 2019. Dogwood State Bank was founded in 2000 and is headquartered in Morehead City, North Carolina. Dogwood State Bank operates as a subsidiary of West Town Bancorp, Inc.