# Financial Institutions (GFI)

## Title 3. Banking Institutions -- Commercial Banks

### Subtitle 1. Definitions; General Provisions

#### Section 3-101

(a) In this title the following words have the meanings indicated.

(b) "Capital stock" includes both common and preferred stock of a commercial bank.

(c) "Debt instrument" means any capital note, debenture, bond, or certificate of beneficial interest issued by a commercial bank.

(d) "Inhabitants" means the population of a municipal area, as determined by the latest federal or State census.

(e) "Nondepository trust company" means a trust company that is not insured by the Federal Deposit Insurance Corporation.

(f) "State bank" means an institution that is incorporated under the laws of this State as a bank.

(g) "Trust company" means an institution that is incorporated under the laws of this State as a trust company.

---

Md. Code Ann., Fin. Inst. (as displayed at mgaleg.maryland.gov, October 16, 2026)