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Provident Financial Holdings is the holding company for Provident Savings Bank, which operates more than a dozen branches in Southern California's Riverside and San Bernardino counties. Catering to individuals and small to midsized businesses, the bank offers such standard retail products as checking and savings accounts, money market accounts, and CDs, as well as retirement planning services. Real estate loans including single-family, multifamily, and commercial mortgages and construction loans make up essentially all of the company's loan portfolio. Single-family residential mortgages make up more than half of all loans.

Provident wants to be a prominent force in the New Jersey banking scene. Provident Financial Services owns The Provident Bank, which serves customers in about 10 northern and central New Jersey counties. Founded in 1839, the bank offers traditional deposit and lending products, as well as wealth management and trust services, through more than 80 branches. Residential mortgage loans make up about 35% of the bank's loan portfolio; commercial mortgages are around 25%. Business, consumer, and construction loans help to round out its lending activities. The company's Provident Investment Services subsidiary sells life and health insurance and investment products.

Provident New York Bancorp is the holding company for Provident Bank, a community-based thrift operating some 35 offices in New York's Hudson Valley region and another in New Jersey operating as Towncenter Bank. Founded in 1888, the bank attracts consumers and business clients by offering traditional deposit products such as checking and savings accounts and CDs; its Provident Municipal Bank subsidiary provides deposit services to area municipalities. The bank uses funds from deposits to originate primarily real estate loans and mortgages. Subsidiary Hudson Valley Investment Advisors provides money management services for institutional and individual investors.

Prudential Bancorp is the holding company for Prudential Savings Bank, a thrift serving the Philadelphia area from about a half-dozen locations. Established in 1886, the bank offers traditional retail products, including checking and savings accounts, IRAs, and credit cards, as well as investments and insurance. One- to four-family residential mortgages make up about three-quarters of the company's loan portfolio; the bank also originates commercial real estate, construction, and land development loans. Prudential Mutual Holding Company owns a majority of Prudential Bancorp, which converted to a mutual holding structure in 2005.

Pulaski Financial is the holding company for Pulaski Bank, which provides financial services to residents and businesses from about a dozen branches throughout the St. Louis and Kansas City metropolitan areas. The bank offers standard deposit products, including checking and savings accounts, NOW accounts, and money market accounts. Pulaski's loan portfolio includes primarily commercial and residential mortgages, as well as home equity and construction loans. Through subsidiaries, the bank offers title insurance, annuities and insurance, and fixed-income investment and trading.

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