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Cardinal Financial can help you keep out of the red. The holding company owns Cardinal Bank, which operates about two dozen branches in the Washington, DC metropolitan area. Serving commercial and retail customers, it offers such deposit options as checking, savings, and money market accounts; IRAs; and CDs, as well as trust services. Commercial real estate loans make up more than 40% of Cardinal Financial's loan portfolio; residential mortgages, construction loans, business loans, and home equity lines of credit round out the bank's lending activities. Subsidiary Cardinal Wealth Services provides brokerage and investment services through an alliance with Raymond James Financial.

Citizens First puts the folks of southwestern Kentucky before all else. Founded in 1975 as a small private-investment club, Citizens First is the holding company for Citizens First Bank, which serves consumers and area businesses through about a dozen locations and 20 ATMs. The company's loan portfolio includes primarily commercial and residential mortgages and business loans. The company also provides title insurance services. Through alliances with other firms, it offers its customers trust and investment services as well as insurance products. Fellow Kentucky bank Porter Bancorp withdrew its offer to acquire a controlling stake in Citizens First in late 2009.

Community First Bancorporation puts financial matters first in the northwestern corner of South Carolina. The institution is the holding company for Community First Bank, which operates about five branches in Oconee and Anderson counties. The commercial bank offers traditional deposit products such as checking and savings accounts, CDs, and IRAs. Deposit funds are primarily used to originate single- to four-family mortgages and commercial mortgages. The bank also writes construction, consumer, and business loans. Community First Bank plans to continue to expand in Anderson County.

Community Trust Bancorp is the holding company for Community Trust Bank, one of the largest banks based in Kentucky. It operates about 75 branches throughout the state, as well as in Tennessee and southern West Virginia. The bank offers standard retail banking services to area businesses and individuals, including checking and savings accounts, NOW accounts, and CDs. Loans secured by commercial properties and other real estate account for more than half of the bank's lending portfolio, which also includes business, consumer, and construction loans. The company provides trust services through subsidiary Community Trust and Investment Company.

Cornerstone Bancshares is the holding company for Cornerstone Community Bank, which operates about five locations in Chattanooga, Tennessee, and surrounding communities, in addition to two loan production offices in Knoxville, Tennessee, and Dalton, Georgia. The bank offers standard retail and commercial services, including checking and savings accounts, money market accounts, and CDs. Its lending activities primarily consist of commercial real estate loans, residential mortgages, real estate construction loans, and business and agricultural loans. Another subsidiary of Cornerstone Bancshares, Eagle Financial, purchases accounts receivable and acts as a conduit lender.

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