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Savings & Loans

Cornerstone Bancshares, Inc.

Cornerstone Bancshares, Inc.

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.

Northwest Farm Credit Services, ACA

Northwest Farm Credit Services, ACA

Northwest Farm Credit Services is an agricultural lender that provides financial services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, and rural home owners in Alaska, Idaho, Montana, Oregon, and Washington. The cooperatively-owned company has a network of some 45 branches and offers a broad range of flexible loan programs to meet the needs people in the agriculture business. Farm Credit also provides leasing services, appraisal services, and life, mortgage, disability, and crop insurance, as well as legal advocacy and assistance to customers in need.

CMS Bancorp, Inc.

CMS Bancorp, Inc.

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.

Finansbank A.S.

Finansbank A.S.

Finansbank has nearly 450 branches throughout the country offering financial services for both commercial and retail banking consumers. Finansbank also offers a network of ATMs, as well as online banking services. The number of credit cards issued by Finansbank grew from 2.3 million in 2005 to more than 3.5 million in 2008. The rapidly expanding bank, founded in 1987 as a four-branch institution by Hüsnü Özyegin, is controlled by the National Bank of Greece. The Greek bank bought more than 45% of Finansbank's stock in 2006, then raised its stake to more than 77% in 2009.

First Robinson Financial Corporation

First Robinson Financial Corporation

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking products and services to the residents and businesses. First Robinson Financial Corporation generates various deposit products, including statement savings accounts, money market deposit accounts, NOW accounts, certificate accounts, IRA accounts, limited accounts, and non-interest bearing accounts. Its loan portfolio comprises first mortgage loans secured by one- to four-family residences, consumer loans, commercial and agricultural real estate loans, commercial business and agricultural finance loans, multi-family real estate and construction loans, and state and municipal government loans. It also offers wealth management and trust services. The company operates three full service banking offices and one drive-up facility in Crawford County, Illinois; and one full service banking office in Knox County, Indiana. First Robinson Financial Corporation is incorporated in 1997 and is headquartered in Robinson, Illinois.

OTP Bank Plc.

OTP Bank Plc.

OTP Bank provides institutional, commercial, corporate, private, and retail banking in Hungary and beyond. The company and its subsidiaries offer such services as auto financing, real estate, and business loans, as well as investment, asset, and fund management and lending and deposit banking facilities. The company operates a network of about 1,400 banking offices in and around Hungary. Founded in 1949 as The National Savings Bank, OTP was originally a Hungarian state-owned bank; the company was privatized in 1990 and went public in 1995.

The Toronto-Dominion Bank

The Toronto-Dominion Bank

The Toronto-Dominion Bank, together with its subsidiaries, provides retail and commercial banking, wealth management, and wholesale banking products and services in North America and internationally. The company operates in four segments: Canadian Personal and Commercial Banking, Wealth Management, U.S. Personal and Commercial Banking, and Wholesale Banking. The Canadian Personal and Commercial Banking segment comprises its Canadian banking and global insurance businesses that serve personal and small business customers. It provides a range of insurance products, such as home and automobile coverage, life and health insurance in Canada and the U.S.; business property and casualty business in the U.S.; and credit protection coverage on lending products. This segment also offers banking solutions through telephone and Internet banking. The Wealth Management segment provides discount brokerage, financial planning, private investment advice, and private client services in Canada; and financial advisory, private banking, and trust and investment management services to the U.S. clients. The U.S. Personal and Commercial Banking segment comprises the retail and commercial banking operations in the United States. It serves through a network of approximately 1,028 branches. The Wholesale Banking segment serves corporate, government, and institutional clients in financial markets worldwide. It provides a range of capital market and investment banking products and services that include underwriting and distribution of new debt and equity issues, providing advice on strategic acquisitions and divestitures, and executing daily trading and investment needs. As of October 31, 2009, the company operated approximately 2,600 automated banking machines, and a network of 1,116 branches located in Canada. The company was founded in 1855 and is headquartered in Toronto, Canada.

Parkvale Financial Corporation

Parkvale Financial Corporation

Parkvale Financial is the holding company for Parkvale Savings Bank (aka Parkvale Bank), which operates about 50 branches in the Pittsburgh metropolitan area, as well as portions of southeastern Ohio and northern West Virginia. The bank offers such retail products as savings, checking, and money market accounts, CDs, and credit cards. Consumer loans, residential mortgages, business loans, and commercial mortgages comprise the bulk of its lending activities. Parkvale Financial Services sells insurance and offers investments through a partnership with LPL Financial. The bank was originally chartered in 1943 as Park Savings and Loan Association.

The Hyakugo Bank, Ltd.

The Hyakugo Bank, Ltd.

The Hyakugo Bank is a Japanese regional bank offering traditional banking services such as electronic, corporate, and consumer banking, as well as international and securities offerings. Hyakugo Bank serves its products through more than 100 branches and 26 sub-branches and also owns foreign offices in Singapore and Shanghai. Listed subsidiaries include Hyakugo Business Service Company, Hyakugo Staff Service Company, and Hyakugo Property Research Company. The bank goes all the way back to 1878, when it was established as The 105th National Chartered Bank.

AmeriServ Financial, Inc.

AmeriServ Financial, Inc.

AmeriServ Financial offers up a smorgasbord of banking services for Pennsylvanians. The company owns AmeriServ Financial Bank, which primarily serves the southwestern portion of the state through some 20 branches. Targeting individuals and local businesses, the bank offers standard services such as deposits, credit cards, and loans. Commercial mortgages account for more than half of its loan portfolio; other real estate loans, including residential mortgage and construction loans, make up about 30%. One of a handful of unionized banks in the US, AmeriServ also manages union pension funds through its AmeriServ Trust and Financial Services subsidiary, which provides trust and wealth management services as well.

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