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Century Bancorp is the holding company for Century Bank and Trust, which serves Boston and surrounding parts of northeastern Massachusetts from more than 20 branches. The bank offers standard deposit products, including checking, savings, and money market accounts; CDs; and IRAs. More than 40% of the company's loan portfolio is dedicated to commercial real estate. The bank also writes residential mortgages, construction and land development loans, business loans, and home equity loans. It offers brokerage services through an agreement with third-party provider LPL Financial.

Citizens Holding Company has taken the proletariat approach to banking. The firm is the holding company for The Citizens Bank of Philadelphia, Mississippi, which operates some 20 locations in the eastern part of the state. Founded in 1908, the bank targets individuals and local businesses, offering products such as checking and savings accounts, money market accounts, CDs, IRAs, and trust services. Lending activities consist mostly of real estate loans (about 70% of the loan portfolio) and commercial, industrial, and agricultural loans (more than 10%). Citizens Holding offers discount brokerage services through an agreement with First Tennessee Bank. Subsidiary Title Services offers title insurance.

CMS Bancorp was formed in 2007 to be the holding company for Community Mutual Savings Bank, which serves the northern suburbs of New York City. Operating through about five branches in Westchester County (one of the richest counties in the country), the bank collects deposits from area consumers and small businesses and uses the funds mainly to originate one- to four-family residential mortgages, which account for more than 85% of its loan portfolio. The bank also issues commercial mortgages, consumer loans, and business loans and lines of credit. Deposit products include checking, savings, and money market accounts; CDs; and IRAs. Community Mutual Savings Bank was founded in 1887.

CNB Financial is the holding company for CNB Bank (formerly County National Bank), which provides traditional deposit and loan services through more than 20 branches and two loan production offices in northwestern and central Pennsylvania. In 2005 the company opened ERIEBANK, a division of CNB Bank, in Erie, Pennsylvania. Commercial, financial, and agricultural loans make up more than 35% of CNB Financial's loan portfolio, which also includes residential mortgages (about 30%) and commercial mortgages (more than 25%). Other offerings include credit cards, investments, life insurance, wealth management, and merchant credit card processing.

Comm Bancorp is the holding company for the Community Bank and Trust Company, which operates about 15 branches in northeastern Pennsylvania. Targeting individuals and small to midsized local businesses, the bank offers standard deposit services such as checking and savings accounts, money market accounts, CDs, and IRAs. Business loans make up the largest portion of the bank's loan portfolio, followed by commercial mortgages and residential mortgages. The bank writes a relatively fewer number of construction and consumer loans. The bank has subsidiaries that offer insurance and asset management, commercial leasing, and title insurance. F.N.B. Corporation is buying Comm Bancorp for some $70 million.

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