Severn Bancorp operates as the holding company for Severn Savings Bank that provides a range of personal and commercial banking products and services. It offers various deposit and loan products, including mortgages and consumer loans. The Company also provides cash management, ATM, credit and debit card, safe deposit box, Internet and telephone banking, and other products and services. In addition, it offers commercial real estate brokerage and property management services, as well as acquires real estate for syndication and investment purposes.