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Guaranty Bancorp (formerly Centennial Bank Holdings) knows a thing or two about dollars and cents. After all, it's the holding company for Colorado's Guaranty Bank and Trust. The bank operates about 35 branches, primarily in the metropolitan Denver and North Front Range areas. Guaranty Bank and Trust offers traditional checking, savings, money market, and NOW accounts as well as IRAs. Real estate mortgages and business loans each make up more than one-third of a loan portfolio that also includes construction and other types of consumer and business loans. In 2008 the company merged subsidiary Centennial Bank of the West into Guaranty Bank and Trust and, following suit, changed its own name.

Hampton Roads Bankshares is the holding company for the Bank of Hampton Roads and Shore Bank, which together have about 40 offices in southeastern Virginia and eastern Maryland. Gateway Bank & Trust, a division of Bank of Hampton Roads, has about 25 locations in Virginia and North Carolina. Serving area consumers and businesses, the banks offer standard services such as checking and savings accounts, CDs, retirement accounts, and loans. Through other affiliates, the banks also offer insurance, investment, and mortgage banking services. Hampton Roads Bankshares acquired Shore Financial and Gateway Financial Holdings in 2008.

HCSB Financial has erased the state lines in the Carolinas. The institution is the holding company for Horry County State Bank, which operates more than a dozen branches that serve Horry and Marion counties in South Carolina, and Columbus and Brunswick counties in North Carolina. Horry County State Bank offers traditional deposit products such as checking and savings accounts, CDs, money market accounts, and IRAs. The bank originates primarily real estate loans (more than half of its loan portfolio), followed by business loans, construction and development loans, consumer loans, and agricultural loans. The bank also offers investment services.

Idaho Bancorp was formed in 2004 to be the holding company for Idaho Banking Company, which serves residents and businesses of Boise and surrounding areas through four branches and a mortgage and construction loan office. The bank offers standard services such as checking accounts, CDs and savings, IRAs, credit cards, commercial loans, consumer loans, and mortgages. Construction loans and residential loans account for about 25% and 15%, respectively. Other real estate loans account for another 40%.

Jacksonville Bancorp, the holding company for Jacksonville Bank, which has about 10 branches in and around Jacksonville, Florida. The community bank offers standard deposit products, including checking and savings accounts, money market accounts, CDs, and IRAs. Commercial mortgages make up more than half of the bank's loan portfolio; residential mortgages account for most of the rest. Subsidiary Fountain Financial sells insurance and investment products. The company nearly doubled its branch network with its 2010 acquisition of Atlantic BancGroup. Jacksonville Bancorp is unrelated to the Illinois corporation of the same name.

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