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Tower Financial is the holding company for Tower Bank & Trust, which was formed in 1999 to fill the void in community banking services left in the wake of the consolidation of local banks into national banking companies. Targeting individuals and small to midsized businesses, the bank has some six branches and loan production offices, mainly in and around Fort Wayne. It focuses mainly on commercial lending, with business mortgages and operating loans making up around three-quarters of its loan portfolio. It also issues residential mortgages and personal loans. Deposit products include checking, savings, and money market accounts, and CDs.

Wintrust Financial is a midsized financial holding company engaged in personal and commercial banking, wealth management, and specialty lending services in the metropolitan Chicago area and southern Wisconsin, including Milwaukee. It operates about 15 community bank subsidiaries (many bearing the name of the community they serve) with more than 75 branches in all. The banks offers traditional deposit services and emphasize business and commercial real estate loans, which account for about half of the company's loan portfolio. The company provides financing for commercial insurance and ife insurance premiums throughFirst Insurance Funding.

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