Founded in 1942, the Tochigi Bank offers banking services to the Tochigi Prefecture in Japan (located about 60 miles north of Tokyo). Through more than 90 branches and 4 consolidated subsidiaries, Tochigi Bank offers conventional financial services products such as savings, lending, portfolio advisement, leasing, housing loan guarantees, credit cards, and foreign and domestic exchange services. The Tochigi Prefecture has developed into a production nucleus for agricultural and forestry products; as a result, the bank targets customers residing in these key sectors for assistance.

Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin. Waterstone Financial, Inc. is a subsidiary of Lamplighter Financial, MHC. Waterstone Financial, Inc. operates as the holding company for WaterStone Bank that provides various banking services. It generates various deposit products, including checking accounts, savings accounts, money market deposit accounts, certificates of deposit, demand deposits, and negotiable order of withdrawal accounts. The company’s loan portfolio comprises one- to four-family residential mortgage loans; over four-family real estate loans; residential construction and land loans; commercial real estate loans; home equity loans and home equity lines of credit; commercial loans secured by accounts receivable, inventory, equipment, and real estate; and consumer loans. It operates eight banking offices and nine automated teller machines, including stand-alone automated teller machine facilities in Milwaukee, Washington, and Waukesha counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008.

Suncoast Schools Federal Credit Union was chartered January 31,1934 as Hillsborough County Teachers Credit Union based on assets. It serves public and private school employees, municipal workers, students, and those working for a select group of more than 1,000 employers (and their families) in about 15 western Florida counties. The credit union offers standard services such as checking and savings accounts, residential mortgages, credit cards, and consumer loans, in addition to insurance, investment, trust, and real estate services. Founded in 1934 as Hillsborough County Teachers Credit Union, the not-for-profit, member-owned cooperative has about 50 locations and some 500,000 members.

Clover Community Bank, it means a commitment to the people who have made us what we are today. It’s the friendly faces that greet you as you walk in the door. It’s our dedication to finding new ways to serve you better and our pledge to assist you with all your financial needs. Stop by any of our three full-service locations in Clover, Lake Wylie or York to see how they can help you.

Nedbank Group provides commercial and personal financial services in South Africa and other parts of the continent. The company offers a range of wholesale and retail banking services through principal business clusters Nedbank Corporate Banking, Nedbank Retail, Nedbank Business Banking and Nedbank Capital (investment banking). Other services include property finance, private banking, asset management, credit card processing, bancassurance, and foreign exchange and securities trading. Nedbank's 50.1%-owned Imperial Bank subsidiary focuses on motor vehicle finance, but also offers property, professional and supplier asset finance. UK-based insurer Old Mutual owns a controlling stake in Nedbank Group.

Beneficial Mutual Bancorp is the holding company for Beneficial Bank, which serves the greater Philadelphia area and southern New Jersey through about 70 branches. Founded in 1853 as Beneficial Mutual Savings Bank, the bank provides traditional deposit products such as checking, savings, and money market accounts; IRAs; and CDs. Commercial real estate loans and residential mortgages together account for more than half of the company's loan portfolio; consumer loans (nearly 30%) and business loans (almost 20%) round out its lending. The bank aims to increase its commercial lending activities.

LNB Bancorp is the holding company for The Lorain National Bank, which operates more than 20 branches in Ohio's Cuyahoga, Erie, Lorain, and Summit counties. The bank serves local businesses and individuals, offering such deposit products as checking and savings accounts, money market accounts, CDs, and IRAs. It also offers trust services and credit cards. The bank's lending activities primarily consist of commercial loans (approximately 60% of its portfolio) and real estate mortgages, as well as installment and home equity loans. The Lorain National Bank offers brokerage and investment services to customers through an agreement with Investment Centers of America.

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.

Central Bancorp is the holding company for Central Co-operative Bank. Operating as Central Bank, it serves Middlesex County in the northwestern suburbs of Boston through about 10 bank branches and loan centers. The bank's primary business is gathering deposits by offering NOW, money market, checking, and savings accounts; CDs; and retirement savings plans. It primarily uses these funds to originate commercial mortgages (more than half of all loans in the company's portfolio, up from 20% in 2001). Residential mortgages have gone down from around 70% to less than 40% since then. The bank also offers construction, home equity, business, and consumer loans, as well as credit cards.

Organized on June 27, 1911, Home Savings Bank has experienced growth and stability while in financial partnership with the people of Stanly County for nearly a century. From the days when our office was housed in small quarters and only open on Saturdays, to today's operations housed at our Albemarle and Locust locations, excellent customer service to our local community has been the focal point in directing Stanly County's oldest financial institution. Below is a condensed outline highlighting some of the history and development of Home Savings Bank.

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