RiverWood Bank is a network of community banks located in 11 different communities in Northern and Central Minnesota. The original banking charters were formed in the 1920's in Bemidji and Morris as state chartered local building and loan associations. The present charter is a national savings and loan association regulated by the Office of Thrift Supervision. The banks have had a long history of meeting the needs of our communities in both the Consumer Banking and Home Lending Services.

German American Bancorp is the holding company for German American Bank, which operates some 30 branches in 10 southwestern Indiana counties and offers such standard retail products as checking and savings accounts, certificates of deposit, and IRAs. German American Bank was founded in 1910. Commercial and industrial loans make up about half of the bank's loan portfolio; agricultural loans account for about 20%. Other offerings include residential mortgages and consumer loans. German American Bancorp also operates insurance and trust, financial planning, and brokerage subsidiaries. The company is buying American Community Bancorp, the holding company for Bank of Evansville.

Itaúsa is an umbrella organization for financial services, real estate, building products, chemicals and electronics, and IT firms. The company's financial services arm its largest sector includes Itaú Unibanco, one of Brazil's largest banks. The bank operates more than branches 3,700 branches in Brazil and also has a presence in major markets in Europe, Asia, the US, and elsewhere in Latin America. Itaúsa's other operations include Duratex, which makes medium-density fiberboard and ceramic and metal bathroom fixtures; high-tech company Itautec; and chemical company Elekeiroz. Members of the Egydio de Souza Aranha family own a controlling stake in the company.

TrustCo Bank Corp is the holding company for Trustco Bank, which operates in eastern New York, central and western Florida, and parts of Vermont, Massachusetts, and New Jersey. It has about 130 branches, offering individual and business customers a variety of deposit products and trust services. It primarily originates residential and commercial mortgages, which account for about three-quarters of its loan portfolio; it also writes business loans and home equity lines of credit. Since 2003, TrustCo Bank has nearly doubled its branch network in New York and Florida by opening new locations. It plans to continue opening new branches, albeit not as rapidly.

First Place Financial is the holding company for First Place Bank, which serves businesses and consumers through some 45 branch offices in northeastern and central Ohio and southwestern Michigan. It also operates about 20 loan production offices in Ohio, Michigan, Indiana, and Maryland. The bank offers standard services such as deposits, investments, and loans. Commercial loans -- primarily mortgages -- make up about half of the company's loan portfolio; residential mortgages account for about another third. First Place Financial also operates insurance and title insurance agencies and a real estate brokerage.

APLUS was established in 1956 as Osaka Credit Sales, and later changed it name to Daishinpan, and then to APLUS in 1992. With the prices of some goods the way they are in Japan, a line of credit can come in handy. APLUS offers a range of consumer and commercial financing products and services, including credit cards, consumer loans, installment credit, and leasing services, to individuals as well as small and medium-sized buinesses. APLUS company has more than 4 million credit card customers. Shinsei Bank acquired a majority stake in APLUS in 2004; the move diversified the parent company's activities, which had been focused on providing institutional and retail banking services.

BNP Paribas Lease Group (BNPLG) provides lease financing for commercial equipment ranging from copiers to tractors. Its offerings include equipment outsourcing, flexible leases, and wholesale financing, as well as insurance, repairs, and other support. The group is part of European banking giant BNP Paribas' equipment solutions business. It partners with sister firms Arius, Artegy, and Arval to offer financing options for computers and other office equipment, heavy equipment and vehicles, and corporate and ultra-light vehicles. The group operates throughout Europe and is expanding its presence in the US. BNPLG was created in 2000.

1st Colonial Bancorp is the holding company for 1st Colonial National Bank. Founded in 2000, the bank serves Camden County in southern New Jersey through branches in the communities of Cinnaminson, Collingswood, and Westville. With an emphasis on personalized service, it caters to small and midsized businesses, professional practices, and local government entities, as well as consumers. The bank provides traditional deposit products such as checking, savings, and money market accounts and certificates of deposit. Additional services include check cards, online banking, and safe deposit boxes.

Delta Community Credit Union is a cooperative, owned and operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.

In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.Citizens Financial Group, Inc. is a $136 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,500 branches, more than 3,700 ATMs and approximately 22,600 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 12-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Michigan and Ohio. CFG has non-branch retail and commercial offices in about 40 states. CFG is owned by RBS (The Royal Bank of Scotland Group plc).

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