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AmeriServ Financial offers up a smorgasbord of banking services for Pennsylvanians. The company owns AmeriServ Financial Bank, which primarily serves the southwestern portion of the state through some 20 branches. Targeting individuals and local businesses, the bank offers standard services such as deposits, credit cards, and loans. Commercial mortgages account for more than half of its loan portfolio; other real estate loans, including residential mortgage and construction loans, make up about 30%. One of a handful of unionized banks in the US, AmeriServ also manages union pension funds through its AmeriServ Trust and Financial Services subsidiary, which provides trust and wealth management services as well.

Ames National Corporation is the multi-bank holding company for flagship subsidiary First National Bank, Ames, Iowa, as well as Boone Bank & Trust, Randall-Story State Bank, State Bank & Trust, and United Bank & Trust. With a total of about a dozen branches, the banks provide area individuals and businesses with standard services such as checking and savings accounts, CDs, IRAs, and credit and debit cards. Commercial and agricultural real estate loans account for about half of the company's loan portfolio, which also includes residential, construction, consumer, and business loans. The banks also offer trust and financial management services.

Arrow Financial has more than one shaft in its quiver. It's the holding company for two banks: Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, which together operate more than 30 branches in five counties in eastern upstate New York. Targeting individuals and area businesses, the banks offer standard deposit products like checking, savings, and money market accounts; CDs; and IRAs. They also provide retirement, trust, and estate planning services and employee benefit plan administration. Residential mortgages make up the largest segment of Arrow Financial's loan portfolio (more than 40%); indirect and installment loans to individuals account for about 30%.

Ballston Spa Bancorp is the holding company for Ballston Spa National Bank, which serves Saratoga County in New York from about 10 branches. It offers traditional deposit products including checking and savings accounts, IRAs, and CDs. The bank also offers investment products, wealth and estate planning, insurance, and trust services. Residential mortgages account for about two-thirds of the company's loan portfolio; the company also writes commercial mortgages, consumer loans, and business loans. Ballston Spa National Bank was established in 1838.

Bancorp Rhode Island is the holding company for Bank Rhode Island (BankRI), which serves individuals and small businesses through about 15 branches and 65 ATMs in Providence, Kent, and Washington counties. The community bank provides traditional banking products and services including checking and savings accounts, mortgages and other loans, cash management services, and investment services. Commercial loans and leases make up more than half of its loan portfolio. Bank Rhode Island was formed in 1996 as the result of the acquisition of branches divested in the merger between FleetBoston and Shawmut Financial, which are now part of Bank of America.

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