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Evans National Bank wants to take care of Buffalo's bills. The subsidiary of Evans Bancorp operates about a dozen branches in western New York (including Buffalo). The bank primarily uses funds gathered from deposits to originate commercial and residential real estate loans (more than 70% of its loan portfolio) and to invest in securities. Subsidiaries include ENB Insurance Agency, which sells property/casualty insurance; ENB Associates, offering mutual funds and annuities to bank customers; and Evans National Leasing, which provides financing for business equipment throughout the US. In 2009 Evans Bancorp aquired the assets and single branch of the failed Waterford Village Bank in Clarence, New York.

Fidelity Bancorp is the holding company for Fidelity Bank, which has faithfully served the Greater Pittsburgh area since 1927. The bank caters to individuals and small business customers from about a dozen branch offices in the city and its northern suburbs in Allegheny and Butler counties. Deposit products include checking and savings accounts, CDs, IRAs, and money market accounts. Real estate loans, including single-family residential mortgages, commercial mortgages, and construction loans, make up about two-thirds of the bank's loan portfolio, which also includes consumer installment loans and business loans and leases.

Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that offers traditional banking services in the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania. The company offers various deposits, which include savings, clubs, interest-bearing checking, money market, non-interest bearing checking, and certificates of deposit accounts. Its loan portfolio comprises commercial loans, commercial real estate loans, residential real estate loans, consumer loans, home equity loans, construction loans, and direct financing leases. As of December 31, 2009, the company operated 11 full-service banking offices. The company was founded in 1903 and is headquartered in Dunmore, Pennsylvania.

First Keystone Corporation operates as the holding company for First Keystone National Bank that provides commercial banking product and services, and trust services to individuals and small to medium sized businesses in Northeastern and Central Pennsylvania market areas. The company offers various deposit products, which include demand deposits, money market accounts, savings accounts, and time deposits, as well as interest bearing demand deposits, such as NOW accounts. Its loan portfolio comprises commercial, financial, and agricultural loans; real estate mortgage loans; and consumer and other loans. In addition, the company provides personal, corporate, and agency services that include trust investment accounts, investment advisory services, mutual funds, estate planning, management of pension, and profit sharing plans to individuals, corporations, and others. It has 15 branch locations, including 5 branches in Columbia County, 5 branches in Luzerne County, 1 branch in Montour County, and 4 branches in Monroe County, Pennsylvania. The company was founded in 1864 and is headquartered in Berwick, Pennsylvania.

First National Community Bancorp is the holding company for First National Community Bank, which has about 20 offices in Lackawanna, Luzerne, Wayne and Monroe counties in northeastern Pennsylvania. The bank provides standard retail services such as checking and savings accounts, certificates of deposit, credit cards, mortgages, and other loans. It also offers wealth management services. The bank is mainly a business lender, with commercial mortgages accounting for more than 40% of its loan portfolio and operating loans comprising about another quarter. Chairman Louis DeNaples and his brother Dominick, who is vice chairman, each own around 10% of First National Community Bancorp.

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