Frederick County Bancorp, Inc. Announces Dividend

Frederick County Bancorp, Inc. (the Company) (OTCPink Marketplace: FCBI), the parent company for Frederick County Bank (FCB or the Bank), announced today a quarterly cash dividend on its common stock of $0.08 per share, declared on September 24, 2018. This cash dividend is payable on November 15, 2018 to shareholders of record on October 12, 2018.

We are pleased to announce our 27th consecutive quarterly cash dividend, reflective of FCBs successful financial performance and the Board of Directors continued confidence in the future of the Bank, said President and CEO Martin S. Lapera. We are also proud of both the hard work by the Banks employees and the unwavering support of the community that have enabled FCB to continue to reward our many loyal shareholders.

Frederick County Bank is headquartered in Frederick, Maryland, and conducts full service commercial banking services through five bank centers located in Frederick County, Maryland.

The statements in this press release that are not historical facts constitute “forward-looking statements” as defined by Federal Securities laws. Forward-looking statements can generally be identified by the use of forward- looking terminology such as “believes,” “expects,” “intends,” “may,” “will,” “should,” “anticipates” or similar terminology. Such statements, specifically regarding the Company’s intentions regarding growth and market expansion, are subject to risks and uncertainties that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Potential risks and uncertainties include, but are not limited to, changes in interest rates, deposit flows, loan demand and real estate values, as well as changes in economic, competitive, governmental, regulatory, technological and other factors which may affect the Company specifically, its existing and target market areas or the banking industry generally. Forward-looking statements speak only as of the date they are made. The Company will not update forward-looking statements to reflect factual assumptions, circumstances or events that have changed after a forward-looking statement was made.

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