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Unity Bancorp wants to keep you and your money united. The institution is the holding company for Unity Bank, a commercial bank that serves small and midsized businesses, as well as individual consumers, through nearly 20 offices in north-central New Jersey and eastern Pennsylvania. Unity Bank's deposit products include checking, savings, money market, and NOW accounts, and CDs. Lending to businesses is the company's life blood: Commercial loans, including Small Business Administration (SBA) and real estate loans, account for about 60% of its loan portfolio, which is rounded out by residential mortgage and consumer loans.

Univest Corporation of Pennsylvania will keep your money close to its vest. The holding company for Univest National Bank and Trust serves the Keystone State's southeast region. The bank has more than 30 traditional and supermarket branch locations and provides standard retail and commercial banking services. Real estate loans account for nearly 80% of the company's lending portfolio; it also offers business loans, municipal loans, and personal loans. Subsidiaries Univest Capital provides commercial financing, while Univest Investments offers investment advisory services. Univest Insurance offers commercial and personal insurance covering workers' compensation, property, automobiles, life, and health.

Valley National is high on its New Jersey and New York business banking customers. The holding company owns Valley National Bank, which provides commercial and retail banking services through more than 205 branch offices in northern and central New Jersey and in Manhattan, Brooklyn, and Queens. The bank offers checking and savings accounts, CDs, and trust services. About 60% of the bank's loan portfolio is dedicated to mortgages, split about evenly between residential and commercial property; consumer loans add another 20%. Subsidiaries offer such services as asset-based lending, asset management, mortgage services, title insurance, auto lending, aircraft financing, equipment leasing, insurance products, and title services.

VSB Bancorp is the holding company for Victory State Bank, which serves New York City's Staten Island from about five offices. It collects deposits from local residents and businesses, offering standard products such as checking and savings accounts, money market accounts, and CDs. Commercial real estate, business, and construction loans make up almost all of the bank's loan portfolio. Victory State Bank generally does not write residential mortgages. Merton Corn, CEO of the bank from its 1997 founding until his 2007 retirement, owns approximately 10% of VSB.

Westfield Financial is the holding company for Westfield Bank, which serves western Massachusetts' Hampden County and surrounding areas from more than 10 branch locations. Founded in 1853, the bank has traditionally been a community-oriented provider of retail deposit accounts and loans, but it is placing more emphasis on serving commercial and industrial clients. Commercial real estate loans account for approximately 45% of the company's loan portfolio and business loans are more than 25%. The bank also makes a smaller number of consumer and home equity loans.

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